WillisBack/dataset-financial-user-claim huggingface dataset:
been with discover 20 plus years good customer i have no doubt they will respond with a script. they have putnotes on all my accounts essentially disbaling me from getting any help on any of them or interest refunds. Racial profiling of sorts. i will not put up with it. i tried to see if apayment was scheduled on XXXX and to handle the ending offer. so i can avoid interest. i called at XXXX friday XX/XX/XXXX was told to be transferred to XXXX that i could get no help in CS cust service. that is not a way to treat anyone. i cant do business here, wont. but i certainly wont go without knowing if a payment is scheduled or how i can avoid itnerest next weeki will not put up with this. will not. i have no answers. but am being discimrinated against. no customer should have to only deal with one person for issues. not sure who why or when people put notes on my accounts i want them. asap. i was told by one supervisor he would remove them but they are there. so i am done with disocver and just want to know how i can avoid itnerest on XXXX and if a payment was shceduled if i get a late response i will pay nothing. how DARE you treat me this way? XXXX XXXX. if you dont like that i ask for interest bar me from using them. this is no way to treat anyone. no other bank has before. In fact i have reported this conduct here.
I have reported this company to the Consumer Financial Protection Bureau Case number : XXXX on XXXX XXXX, 2016 for illegally calling me trying to get my relatives social security number. I have never done any business with this company. They have called me again today from a different cell phone number, and using a different company name " MNS Associates ''. I am reporting them again today!!! 
The number they called me from today is ( XXXX ) XXXX, which is listed as a XXXX business on XXXX.
I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done. 
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices.
XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX
On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.
US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. 

I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. 

In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. 

The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. 

Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. 

I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. 

Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls.
I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.
In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
I sent {$13000.00} from XXXX XXXX XXXX XXXX Coinbase Inc on XX/XX/XXXX, here is the receipt, We have successfully sent the following transfer : XXXX Item # : XXXX Amount : {$13000.00} To : Coinbase, Inc Fee : XXXX Send on Date : XX/XX/ Service : Same Day ********************************************* Coinbase owns XXXX, and it promised that " Bank wire transfers may be credited to your XXXX  account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' I've contacted XXXX and it's been about 2 days but nothing shows in my account. 
My XXXX account is XXXX XXXX
On XX/XX/2018 at XXXX I took an Uber ride in California . I had it setup to  charge a differnt card on file. Well for some reason Uber claims the charge didnt go through which I beleive it did. I had it setup on a virtual credit card. Well on XX/XX/2018 Uber decided to just randomly pick a differnt card even though I never authorized them to charge my card ending in XXXX charged it on XX/XX/2018 in the amount XXXX which was 6-days later. This charged was NEVER LEGALLY AUTHORIZED by me to allow UBER To charge this car. 

I submitted a complaint for a full refund. I was going back and fourth with uber for over a week now. Each time getting a diferent customer service rep with a differnt answer. 
But finally on XX/XX/2018 I was told by UBER that I would be getting a FULL REFUND to my card ending XXXX. 
After waiting a couple days on my refund it never came. So I reached back out to Uber to ask them to were is my refund and then I get a different answer that I wont be getting one. This company told a LIE, then said I would be getting one. 

So basically they illegally charged my card which I NEVER AUTHORIZED, then told me I would get a refund. Then changed their mind and said no I wouldnt. I beleive thier business pratices is ILLEGAL. 
Not to mention I requested a supervior, or manager call me to discuss this situation but the only thing I do is keep going back and fourth with UBER in regards to the charge. I am requesting a FULL REFUND IMMEDITATLEY. 


XX/XX/2018 DEBIT CARD DEBIT / XXXX UBER TRIP XXXX auth # XXXX XXXX
I checked my credit report on Experian XXXX weeks ago and noticed that they are reporting negative remarks on XXXX of my student loan accounts almost XXXX years AFTER it was paid in full and closed. It was paid in full and closed in XXXX of XXXX, but on my report they had an updated remark stating that it was a " collection '' as of XXXX, which is not accurate. I felt it was hurting my score so I disputed it as incorrect information. 

When the dispute came back Experian updated it as a " collection '' current as of XXXX of XXXX, and because of that my credit score took a XXXX point drop after the result of the dispute of the XXXX accounts. In the eyes of FICO, this is considered a new negative account. As of now I 'm paying, from a credit score prospective, for these negative accounts XXXX! They are not set to fall off until XXXX, so it 's not fair I get hit with score penalties XXXX. I 've come a long way and to be penalized a XXXX time is not fair, but more importantly, not accurate. 

So out of frustration I called Experian and spoke to a lady who said that is incorrect on my report and that they ca n't report an account as a collection XXXX years later after it was paid and closed. She stated that she would re-dispute the accounts because that is not correct. She assured me it would be fixed this go around in disputes. She did also say the reason it was being reported as such is because that is all the information they have ( which again is not true per my report from XXXX ). So I called XXXX and spoke with their credit reporting department and a gentleman told me that he will send correct information to Experian to alleviate this error. 

This morning the XXXX round of disputes came back and my scores took another XXXX point drop. This is beyond frustrating because this is now a XXXX time I 'm paying, score wise, for a negative account which accounts for a XXXX point drop in my FICO score for an error. It 's simply not correct. I 've exhausted all avenues with both the loan provider and Experian ( XXXX ) to correctly report my accounts without resolve. There is nothing more frustrating than having proof that this is incorrect and nobody does anything to help correct it. I 'm hoping this with get resolved with CFPB. 

I am uploading the current report that I received from the dispute as of this morning ( XXXX/XXXX/XXXX ), along with my report from XXXX of XXXX showing the accounts were paid and closed at that point in time, and also a letter directly from XXXX as of last year ( XXXX ) stating the same exact thing as my XXXX credit report. Experian did not take any regard to this letter, or their own report I sent them from XXXX. 

As far as the outcome I 'd like it to be reported correctly. In other words have all XXXX accounts last reporting mark as of XXXX and nothing on my report for the last XXXX years. 

Please help!
Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX Compliance.
This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not?
The collection agency calls my phone all day even after leaving messages. They will call mad then hang up and call right back. The agency also contacted my estranged husband and family and gave full details of the debt to them and I never provided their numbers to them.
i have been trying to do a loan modification since XXXX my home was up for sale, i file bankruptcy to save my home i made the payments and the bankruptcy payment as well. in XXXX i end up in the hospital and could n't make my payment i file for a loan modification and after giving me the run around for a yr they said that i did n't qualified for a loan modification after submitting paper work and application for more them 6 times. the only help the can provide is a short sale.
My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements.