WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

Regards, XXXX XXXX XXXX XXXX XXXX
XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.
Already reported identity theft this was an item on my credit report these businesses need to be more careful with opening fraudulent accounts
XXXX XXXX  continue to contact my place of work after I asked to stop on several occasions. They have been verbally aggressive over the phone.. 
the phone numbers they call from are XXXX and XXXX
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
A. I went to the annual credit report and received either in the format thru mail or online to receive my annual credit report except Trans union. 
B. Transunion then proceeded to send me an application to pay and fill out the form. The free annual report thus was not recognized. 
C. Next I filled out their form an provided my driver 's license, social security form, and a utility page, but was denied a credit report. 
D. Next I put a security freeze on the account and was not provided a code which all the two other major companies had provided but not Transunion. 

What should I do now. I have no code to unlock my credit report nor do I have their free credit report. 
Why hasn't this company been tagged as non-professional and possibly illegal? 
Tank you.
EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.
An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.
Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}
I am writing in frustration against a company which has placed me for collection, HARRIS & HARRIS , LTD. they have refused to understand the fact that I am a fully insured patient and I have been incorrectly billed for an ambulance ride which is covered under my MEDICAL 100 %. I have fought long and with XXXX XXXX Hospital and this collection agency. I have submitted and resubmitted my insurance to them many many times and still they harass me with unending phone calls, letters and threading letters in red! I am also going to hire a lawyer and sue this company for ignoring my please for them and the Hospital to contact my Medical. I about had a XXXX XXXX and this is how we are treated? I am lucky to be alive and this is 100 % covered and this company is lying tremendously to collect and recollect the same debt hoping I don't find out. I am sure and I suspect that my insurance was billed and thy are just double billing me because they are a disgusting company! 

I am going to sue them and the hospital for damages to my mental health and to my credit report! after submitting my insurance information and disputing their collection they refused to follow FDCPA laws and cease and desist calling and harassing me. They made matter worse by placing collections on my credit reports and dropping my score over 80 pints! I was not able to get a car because of them and I am going to definitely pursue this in the court of law.
Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.
I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.
On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX  Inquiry from XX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance To Whom It May Concern : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand to delete the following hard inquiries.

I have attempted several times to resolve this matter directly with the furnishers but never received any communication from them. Therefore, I am going to file a lawsuit against each for violating the Fair Credit Reporting Act.

I request you delete these inquiries in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. It states : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Please delete these inquiries or I will commence legal action.

Sincerely,
Happened during the end of 2015. I noticed using XXXX XXXX that a card was opened under my name from American Express with me owing over {$12000.00} called American Express numerous times to close this account and tell them it is a fraud card not opened bymyself kept opened for over few months period. Calls range from XXXX hour XXXX times of the week to just keep following up why they still have this card opened. They kept telling me that I am paying the bill for this credit card and that I was unable to close the account. They wanted me to go to XXXX XXXX XXXX which is where the payment is coming from to verify the name on account to ensure it is not me. I dont even bank with XXXX XXXX XXXX so they will ignore me. I give calls backs and forth to Amex Express and XXXX. Amex needs a letter stating from XXXX that myself do not have a bank with XXXX and I am not the one paying for this Amex account. XXXX was unable to do it back and forth. I had to speak to a higher up to confirm that I do not have an account with XXXX and get that letter notarized and faxed to Amex. Amex would tell me they never received my fax multiple time and say no update each day. 

I opened a case with XXXX because this was not going anywhere and had a person specifically to handle this case. After 2 additional months they realize that they linked to same name to one profile and has been sending my statement for the past XXXX months to the wrong address. And nothing could be verified on my end because my address was different. I started to receive the other party with same first name new credit card and hes been getting mine. This was during the transition from XXXX leaving Amex to go with XXXX XXXX card. 

My credit card score dropped from almost XXXX to XXXX due to this. They fixed it by submitting it to all the credit bureau that this was not my credit card but its still an issue today. Which is now 3 years later.
I recently attempted to receive a prescription for saizen hgh from a website that I had not done business with before XXXX I agreed to use moneygram to send {$300.00} to a clinic in XXXX. I was n't completely unaware of the risk of such a transaction, but due to FDA 's recent pressure on credit card companies to stop processing transactions for medicinal products, I found myself feeling like I had no choice but to attempt to do business this way. I wired the {$300.00} on XXXX XXXX, 2016. The salesperson I spoke to on the phone ( XXXX, phone number XXXX ) assured me that he would contact me the next day and provide a tracking number for a package that would be sent overnight delivery. Since the money was sent, all of my attempts at communications have received no response.
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.
On XXXX/XXXX/XXXX, I opened a checking account with Wells Fargo, XXXX, WA. During the timeframe, I was having problems with the checking account due to the systematic problems that Wells Fargo was having with our direct deposits and charges of {$35.00}. The direct deposits were being posted after the incoming bills so I was being charged NSF in the amount of {$35.00}. On XXXX XXXX, XXXX, I talked to XXXX, and she was did not assist me regarding my complaint. She informed me that my daughter who was attending college, I was added to the account, as I wanted to ensure my daughter had sufficient funds for room and board. XXXX, Executive Office, was providing me the information on the direct deposits that were being posted, and informed me that I went over some bills. Thus, being charged {$35.00}. I ask XXXX to mail me the transaction summary in order to review all direct deposits, checking accounts, and charges of NSF in the amount of {$35.00}. told her that I do not know what she is reviewing, and I would like a copy mail to me. She failed to acknowledged my request. XXXX, was unprofessional as she was speaking to me in an unprofessional manner and also too fast. In XXXX XXXX, my husband, filed a complaint with CFPB, regarding the {$35.00} which were approximately XXXX charges in three or four months period. XXXX, Wells Fargo, had contacted us in order to address the issue. However, nothing has been resolved. On XXXX XXXX, XXXX, I talked to XXXX, Executive Office, to inform her that my daughter was having problems with Wells Fargo and that she could n't transfer any money being with hold by Wells Fargo. She is on vacation, and could n't obtain money from her current checking or savings account because she is need of money. XXXX told me that she will try to get a hold of her.
Hello, In XX/XX/XXXX I opened my Capital One card. I have had no missed payments except for one. In XX/XX/XXXX, I XXXX. Before XXXX I set everything up because I knew it would be tough trying to keep track of bills. I worked 24/7/365 while XXXX. I noticed in XX/XX/XXXX, that I had a missed payment on my Capital One card from XX/XX/XXXX. I was lucky enough to catch my XX/XX/XXXX payment, but missed that one. This was over six years ago and have been trying to get them to take it off since.
Applied for a loan mod which my loan is a conv and investor is XXXX XXXX thru XXXX XXXX and was denied. The answer was generic stating the mod payment would go up {$100.00} a month and the felt I could not afford it although I recieved a {$200.00} a month merit increase. I feel the are wrongfully trying to foreclose to get my XXXX  equity.
2008 FHA loan for first time buyers included tax and insurance on payment. 
XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.
I spoke with TransUnion on XX/XX/XXXX and spoke with a US representative to correct unauthorized inquiries on my credit report. There were inquiries removed during the breach of XX/XX/XXXX and XX/XX/XXXX that were reinserted. I DID NOT receive a written 5 day notice informing me of the breach or TransUnion reinserting the inquiries. The representative told me that I am not required to receive one for inquiries. This is a Violation of the FCRA. TransUnion can not continue to violate my rights.