WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
On XX/XX/18 I paid XXXX {$1500.00} check to apply to my balance. it posted to my account. On the same day I requested a new credit card. Not because it was lost or stolen I just needed a new card. on XX/XX/18 I paid XXXX {$1500.00} cash to be applied to my card. They had to give me a new account # due to me asking for a new card. The {$1500.00} cash never posted to my balance. I have spoken several times to XXXX and they cant seem to get the {$1500.00} cash posted to my account. They say there is a " hold '' on that money. It was cash there should not be a hold. They agree but cant seem to get it applied to my balance. I have spoken to someone there atleast 5 times since XXXX. It doesnt look like they are going to have this fixed anytime soon if ever.
The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged.
XXXX XXXX XXXX XXXX XXXX has made it impossible for me to negotiate my loan. They insist on me calling them when I have stated on numerous occasions that I work XXXX to XXXX in a XXXX XXXX and travel at least an hour each way to and from work. I have asked if I can supply a copy of my most recent paystubs and a budget which includes the payments being made on other student loans in order to recalculate the monthly loan payment amount. I keep getting told via letter to call an extension but it is a different person each time. Furthermore, I have medical expenses which are ongoing which also impact my disposable income. Every other lender allows me to negotiate by submitting financial information. I also want to know how the payments are calculated, including the penalties and interest. 

I also want to report that Wells Fargo informed me in XX/XX/XXXX and in XX/XX/XXXX that because I was not a US XXXX I needed a co-signer for my student loan. However, on both occasions I was a XXXX XXXX XXXXr which meant I had XXXX XXXX XXXX  status in the US. This is discrimination.
The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?
I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment
On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account
On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.
THIS ACCOUNT WAS NOT OPENED BY ME SOMEONE HAS MY PERSONAL INFORMATION AND I HAD NO KNOWLEDGE I AM REQUESTING THAT THIS ACCOUNT BE CLOSED AND REMOVED DUE TO THAT FACT
In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.
It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees
Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.
I used to be employed by BoA for 17 years when my job was eliminated in XXXX XXXX. Around XXXX or XXXX I walked into the BoA branch at XXXX XXXX XXXX, XXXX NY XXXX and closed XXXX checking accounts and XXXX savings accounts as I was no longer going to get my free employee rate on them. On XXXX/XXXX/XXXX I was informed they force closed XXXX of these checking accounts after waiving {$75.00} in fees and when I called to find out how they reopened an account I already closed I was informed I also currently owe {$25.00} and {$56.00} for XXXX other savings accounts that were closed that day. I was informed by XXXX at XXXX he could give me no info on why they accts were still open and I should go back to the branch I originally went to in order to fix this issue. I do not feel I should have to waste my time to walk into a branch when I should be able to fix this issue over the phone and I also do not have any faith that the branch that could not get this correct in the first place will fix the issue the 2nd time around. I already closed these accounts over 2 years ago and do not see why I should have to close them again because BoA can not do their jobs. I know these accounts were originally closed as I still have an IRA and a credit card with BoA and saw the accounts were closed and removed from my online banking about a week after I went into the branch in XXXX to close them. I feel that BoA is illegally opening accounts back up and charging fees on them and I need to have this issue rectified. Unfortunately, I do not have any of the information anymore regarding the closed accounts as that is not something I felt the need to keep for over 2 years. I guess I did not assume closing a checking and a couple savings accounts would be such a difficult thing to do.
XX/XX/2017 I received a medical debt from Medical Business Bureau was placed on my credit. They have not been able to validate that this debt belongs to me. Under the FCRA, I am required to seek validation with a document bearing my signature and this has not been provided to me. 

This debt was already removed from XXXX  and XXXX, I am requesting it to be removed from my XXXX  report as well.
I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. 
I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. 
THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND
XXXX and Equifax Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from XXXX or Equifax. 

Equifax is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with Equifax several times, with the information still remaining on my credit report.
On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. 
We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. 
Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. 
XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.
I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. 

Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX  are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's
I filed for forbearance as a result of unemployment back in XXXX 2016. Since that time, Freedom Mortgage has consistently delayed processing my request with frivilous requests that I resubmit paperwork already provided in triplicate, documents they never disclosed at the start as requiring. They also delayed my request b/c the single point of contact assigned to me took a week off for personal business without having anyone work on my account during his absence ( XXXX XXXX ). He also failed to touch my file when I submitted paperwork but would delay processing my paperwork for 3 to 5 businsess days ( XXXX XXXX ). New single points of contact were assigned multiple times with and without my request for change, which added more delays. The single points of contact failed to look at the paperwork provided and would ask me to resubmit paperwork because I had provided so much paperwork ( which was result of their frivolous attempts to delay ). Four months later, I have found a job and now I am being penalized with penalties that were a direct result of Freedom Mortgage 's delays ( not mine ) and I am being penalized with an increase in interest rate. They are restructuring my loan rather than granting me the forbearance during the periods that I was unemployed because I am now employed 4 months after I filed for forbearance - so I am being penalized for having getting a job instead of waiting for them to finally process my request for forbearance. They have ruined my credit score with all their delays so I ca n't go to another lender.
On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.
Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.
Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.