WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX XXXX with a XXXX XXXX XXXX XXXX called XXXX XXXX by XXXX XXXX XXXX. I have no savings accounts, no real property, and no other assets. Unable to work, I am barely making ends meet. 

I contacted Navient regarding my private student loan and explained my situation. They said I had to continue to make the payments in full. When I was unable to make the payments, Navient began calling me constantly. For months, Navient repeatedly called me every day starting at about XXXX XXXX. Navient called me as many as five times per day, sometimes placing three calls within five minutes of each other. I estimate that Navient called me more than 200 times over a four month period in 2017. D
uring the summer of 2017, I explicitly demanded during a call with a Navient representative that Navient stop contacting me effective immediately. Navient should have stopped contacting me following this conversation. Yet, Navient gave me just one day of reprieve before it resumed its abusive practices.

I have since had to contact an attorney to get Navient to stop its constant and relentless harassment.
Today I called the dispute resolution center for XXXX and Transunion to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the NCAP or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the NCAP or CFPB. They went as far as to refuse any knowledge of the existence of the NCAP and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the NCAP, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on Transunion and XXXX. I have attached copies of the items in question so a quick review can confirm they do not comply with the NCAP and should be deleted immediately and permanently.
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX XXXX {$570.00} 4 )  XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.
I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?
Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.
AN UNAUTHORIZED CHARGE WAS MADE ONT O MY U.S.  BANK PREPAID  VISA ACC OUNT IN THE AMOUNT OF {$6000.00} ON   XXXX   XXXX    2017.  THE CHARGE WAS DISPUTED BY THE CARDHOLDER WITH  U.S.  BANK. THE CARD MEMBER  SERVICE  REPRESENTATIVE  XXXX , DID NOT PROVIDE ANY SUPPORTING DOCUMENTATION TO ME, THE CARDHOLDER NOR TO   VISA   AND O N XX/XX/XXXX    XXXX  BILLED MY ACCOUNT FOR THIS CHARGE. MANAGEMENT OF THE ISSUING BANK HAS BEEN CALLED TWICE A DAY SINCE RECEIVING NOTIFICATION AND LEFT MESSAGES WITHOUT ANY RESPONSE.       1. THE MERCHANT WHO CHARGED THE ACCOUNT HAS A DIFFERENT NAME ON THE DOCUMENTATION THEN THAT OF THE CARDHOLDER.
2. THE CARD WAS NOT SWIPED BUT MANUALLY ENTERED BY THE MERCHANT AND NOTHING HAS BEEN SIGNED BY THE CARDHOLDER.
3  . THE MERCHANT CLAIMS THAT A SERVICE HAD BEEN PERFORMED BUT FAILED TO PROVIDE ANY DOCUMENTATION OF PROOF. THE MERCHANT PROVIDED PHOTOGRAPHS OF WHICH HAD NOT RELEVANCE TO THE CHARGE.
Sometime in XXXX there was an " Total Advance '' {$470.00} fee added and no matter what I do I am always overdue and late because of it. I do n't even know what the advance is for. I have made payments all year missed one in XXXX but paid 2 in XX/XX/XXXX and 2 in XXXX. I have no idea why I owe {$1800.00} and have late fee 's every month. They always send a statement saying that they have a right to foreclose on me, and my credit is messed up so I can not remortgage. I did file banckruptcy at one time but continued to make my monthly payments. I also paid my escrow shortage but it still shows I have a shortage on my statement. When I call to talk to someone they take forever to get me to the right person and I work myself during the day and do not have time to wait over 40 minutes. I have sent emails but they always say I have to call.
ON XX/XX/13 MY SEARS CREDIT CARD ACCOUNT WAS CHARGED FOR XXXX FROM A XXXX XXXX AND I HAVE NO IDEA WHO THEY ARE AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED SEARS CREDIT CARD BACK WHEN CHARGE SHOWED ON MY STATEMENT AND REPORTED IT AS FRAUD AND THEY DID NOTHING FOR ME SO I AM NOW FILING A COMPLAINT WITH YOU AGAINST SEARS CREDIT CARD MASTER CARD. PLEASE HELP ME GET MY MONEY BACK THAT THIS COMPANY STOLE FROM MY ACCOUNT WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME THIS IS SENIOR ABUSE
I called the State wide LLC Informed them that I was going to be filing a BK. They turned and told me that I could not. They were yelling at me I told them I have a attorney, I talked to supervisor he told me to call the m 3  way, Yes I have a attorney but have not been able to get a hold of them I am working on that. I tried to get them to listen to me and tell them not to call my sister to cease communications. They keep calling her at work and bothering her. I told her to tell them that if they call her one more time that she will contact CFPB an turn around and sue them for harassment. I then get a call from  XXXX   XXXX   XXXX  that they verified employment and house of residents and were going to serve me with papers. Yes I know I can be served I have worked for a collection agency but she was yelling at me and demanded that I have  2  forms of ID 's well I have not been served. I know who I owe and the amount but I am filling a chapter  XXXX  bk I have huge medical debt and cc debt that is out of my reach. I am also a   XXXX   XXXX   XXXX    XXXX  and just cant handle the medical debt. They also threatening me with jail. Check fraud etc
In XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.
i did a credit report and found 2 accounts in my name ( chase card ) ( XXXX XXXX ) and immediately reported it for fraud i was told they would investigate it and get back to me this was in XX/XX/2018, i never heard back so i called again, during this process i discovered that my estranged brother XXXX XXXX admited it was him using the card in my name. so we both got on the phone in a conference call explaining the situation he accepted responsibilty for the fraud. chase told me they would do investigation and contact me back, in the conference call my brother XXXX XXXX took responsibilty of the charges so chase said they would contact me back, so 2.5 months go by i never here anything on the investigation i call back to find out the status chase told me they will re open the account and then send a transfer of liabilty form for both of us to sign this was on XX/XX/2018 2.5 weeks later i called to find out where the forms where to sign and nobody i spoke with knew what i was asking i was transferred around for over a hour speaking to several people and finally i spoke to a XXXX employee id # XXXX at chase he said the last person that told me they would allow transfer of liability was incorrect in her statement to me i asked for her info or employe id # XXXX told me he couldn't give out this info without a subpoena, so on XX/XX/XXXX XXXX again told me i had to contact another department called the lending department at XXXX i spoke to a receptionist and said i would have to leave a messge for someone to call me back within 24 hours as of today nobody has called me back XXXX-18. i have been constantly mis lead by chase time after time. i dont think they have people or staff that want to help or know how to help me, i am so frustrated they make statements but nobody follows up on them or does anything and now my credit rating is getting hurt because nobody can help with incorrect information. 

i have filed a complaint with XXXX XXXX and my local police department police department report number XXXX XXXX police dept XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX officer XXXX XXXX XXXX dispute # XXXX i want to file a complaint against chase not wanting to resolve or do anything affecting my account XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX
My TransUnion report has an account listed for XXXX with a mailing address for XXXX XXXX as the reporting company. On XXXX/XXXX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of their reporting to TransUnion. The envelope was returned to me as " Return to Sender, Attempted Not Known, Unable to Forward '' On XXXX/XXXX/XXXX I sent a copy of the returned mail envelope to TransUnion requesting they delete the account as they are reporting inaccurate information ( specifically the address of the company reporting ). They signed for the certified letter on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX this item is still reporting on my file. This is a violation of my consumer rights under the Fair Credit Reporting Act.
My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX.
The call came from some company called XXXX XXXX XXXX, XXXX. They left a voice message the other day trying to reach my daughter.I have no idea what my daughter may owe, but this company called me again this morning at XXXX, central time, while I was driving..
I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.
I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.
I submitted a credit inquiry dispute online for impermissible access to my credit report and asked Equifax to investigate & remove it from my credit file. Their response says the inquiry is a factual record of file access and suggested I write to the company that accessed my credit file at the address provided. I sent the letter via Priority mail, & it was returned to me undeliverable as the forwarding has expired. I contacted Equifax and spoke with 6 representatives who told me that they can not remove the record from my file. I told them that the company that pulled my credit report was closed by government action ( easily found online ). They told me to call their phone number to request that the inquiry be removed, even though the agent said they know the company XXXX XXXX XXXX XXXX was put out of business by government action for improper licensing, etc. The FCRA says that Equifax has the responsibilty to resolve this issue, and they refuse to abide by Federal Law.
I have attempted to get trans union to tell me how they verified this information over and over, but they just continue to send me form letters stating the public record is verified. I have reached out to the courts and they sent me a letter telling me that they do not verify information to the credit bureaus and they do not report information to the credit bureaus. I have also put a security freeze on my account w/   XXXX   XXXX  , so trans union could have not received the information from them. I want this information investigated and removed as this is a violation of the FCRA. I have attached both letters from the BK courts and from  XXXX   XXXX , I have also attached the last letter i sent to them, which took them 7 days to investigate from the time they signed for the letter, and I have attached the latest investigation results. Again, this is a violation of the FCRA
I was doing some phone shopping for the best refinance rate I could obtain. In preparation for my refinance, I had paid down/off credit cards in order to boost my FICO higher. Several lenders were able to give me a 'good faith estimate ' based on what I communicated my personal information to be ( i.e. FICO, income, DTI ratio, etc. ). One of the lenders I was talking with was Cardinal Financial. I was just about to formally proceed with another lender, when it was brought to my attention that Cardinal Financial had actually pulled my credit ( via XXXX )! At no time did I authorize either verbally or in writing, consent for them to pull my credit. Their illegal pull of my credit caused my XXXX to go down, added an inquiry to my credit report, and ultimately caused me to postpone my refinance. This was back in XX/XX/XXXX. They are 'trying ' to remove the inquiry from my credit, however, it has not been done to date. Rates have increased, so I will not be able to obtain the rate that I was going to lock in last month. By refinancing, I was going to reduce my rate and eliminate mortgage insurance which would have reduced my monthly payment as well as significant reduce the amount I paid over the life of the loan. Cardinal has apologized for 'the stress and frustration ' they have caused. What they did was unlawful and has caused me financial harm. There are regulatory requirements that lenders MUST follow, and obtaining a potential borrowers authorization to pull credit is one of them. I feel some type of restitution is warranted. 
Businesses need be penalized when they fail to follow state, federal, or regulatory laws.
HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive
Good Evening- Per active hours my bank account does n't update fast enough. Also says my bank is n't fast enough updating my information. For example, today it says my bank account to too low, as in there is no money in my account, to cash out but I received my paycheck today and my bank account is. It in the negative.
I have made payments on this account from the same bank account many times, and in fact one for a larger amount 5 days prior to the payment in question and another payment yesterday. They held my payment, and my bank confirmed was paid on XX/XX/2018. They refuse to release the payment, unless they get to talk to my bank, they have the money and have had it for days. I requested they release the funds, they say their system updates at midnight, I have patiently waited from the original request on XX/XX/2018 for them to confirm they have withdrawn funds from my bank, which they did, instead of checking to see they received the funds, they want to speak to my bank, and hear all my personal account information for verification. I use different verification tools for different accounts, and would never give them this information, this insecure from my viewpoint, and they have the funds.