WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX year old XXXX individual receiving social security XXXX. I attempted to take advantage of a program within Medicare/XXXX  called XXXX XXXX that allows individuals to attend health centers free of charge from my health insurance. The facility called XXXX XXXX  is located in XXXX XXXX, Florida. 

While signing up for for XXXX XXXX  one of the managers offered me to join a separate fitness program that would help with my XXXX in my XXXX and XXXX. The plan consisted eight sessions a month for a hour a session totaling eight sessions a month which would cost {$150.00} per month. He also said that it wasn't contract and i could stop whenever i wanted. So i decided to sign up thinking that If i didn't see any meaningful progress I could just stop. 

After giving him my Capital one credit card and swipped it he then informed me I was responsible for three months of sessions at {$150.00} per month. I protested and that he said the program was not a contract and I could stop anytime. He refused to cancelled the fraudulent agreement. 

Immediaately I called Capital one to cancel the credit card payment.The representative at Capital one asked me if the contract agreement say that I had thirty days to cancel. I read the agreement it did state that i had thirty days to cancel.. The Capital one rep. said there was nothing else I needed to do but just wait for my credit care to be credit back the $ XXXX.About a later Capital one sent me a letter swhich i have in my possession, saying the 1 {$150.00} was credited bak to my card. 

About a month later Capital one sent me another notice stating the {$150.00} was reapplied back to the merchant an an additional {$300.00} would be credited to the merchant because, " the merchant provided other information that ruled in the merchants favor., When I asked Capital one to provide me with the " other information '' they tell me anything concrete and I was referred to to an 17 page  document they sent me telling me nothing. 

I feel I am a victim of deception, misrepresentation, and fraud by both Capital one ad XXXX XXXX. As a remedy I want Capital one to credit my account back the {$450.00} they are charging me. 

If any other documentation proving my case is required I can mail or fax you the documents as soon as possible ... .. 

.
XXXX and Experian refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax XXXX and Experiancredit report
I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.
I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also, I 'm currently unable to request a fraud alert on all three companies. This is unacceptable.
I received a call from a company called XXXX and they said that they are legal aids for XXXX XXXX, an attorney in New York. They said that they are representing XXXX XXXX XXXX and that they want to resolve a debt that i had back in 2005. I talked to someone named XXXX XXXX XXXX, and when he was trying to confirm who I was I was asking him what company he was from and he began to get hostile. Then as I proceeded to tell him that I wold like my debt in writing he hung up on me. When i called back I talked to a XXXX XXXX XXXX and he started out being somewhat nice but when I proceeded to tell him I wanted my debt in writing he became hostile. He told me that all he could provide me with was a payment arrangement and I told him that I was n't comfortable making a payment arrangement without getting the debt in writing. He proceeded to talk over me then he proceeded to yell at me and say " ARE YOU A CRIMINAL? ARE YOU A CRIMINAL? Since you do n't want to resolve this then GOOD DAY. '' and hung up on me. When I called back to get an address so that I can send a written cease of communication notice no one is picking up.
I want to know specifically why Experian dropped my credit score by 56 points in one month ( XXXX to XX/XX/2018 ). I particularly want to know how this scoring factor works : " Open real estate account balances are too high compared to their loan amounts. '' Does this mean that I'm not paying off my mortgage loan fast enough? I've never heard of such a scoring factor before. If Experian is essentially requiring consumers to pay their mortgages faster than required, that is outrageous and should not be allowed. I called Experian on XX/XX/18, but they could or would not answer any questions about scoring factors. Nothing in my credit situation has changed, so I'm very concerned about this dramatic decrease in my score.
This is to show that Nationstar Mortgage that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted Nationstar 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that Nationstar will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by Nationstar. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. Nationstar can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from Nationstar . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. Nationstar ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX
Freedom Mortgage has paid my XX/XX/2014 XXXX XXXX Property Taxes when they had already been paid by the title company. I have been working with them since mid XXXX to get the money back into my escrow account and they inform me they have request a refund from the tax bureau and the tax bureau has never received any thing from Freedom Mortgage. I have asked Freedom Mortgage for a copy of the refund request form but they have never provided me with oe. The amount of taxes paid by Freedom that needs to be placed back into my escrow account is {$790.00}
My name is XXXX XXXX, and Transunion is reporting a dismissed bankruptcy on my credit report. I received notification that the bankruptcy was removed from my credit file. After removing it, Transunion put it back on my credit report. According to the Fair Credit Reporting Act, Transunion is supposed to notify me within five business days of adding and removing anything from my credit file. Transunion has failed to do this, so I am requesting that the Bankruptcy is permanently removed from my credit file. After reviewing my Transunion credit report, I noticed that the public record does not include my name, address and either my social security number. None of this information is showing on my Transunion credit report regarding my public record, so I would like the bankruptcy to be removed. I would also like an updated credit report once this is done.
I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX
They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.
This complaint is about account control technology inc. In XXXX   XXXX california they are the loan servicer on my student loans to start off there's a guy named XXXX who called me 15 times a day while at work and home he was relentless to the point I shut  my phone off these people are suppose to help me not harass me I asked for a loan discharge do to the fact I didn't have a XXXX  they say I checked the box that said I did I went into my account and I didn't check that box now they locked me out of my account I also told them when I went to school to become a XXXX XXXX worker I was not able to benefit from these classes cause I was told you can not work for XXXX XXXX   with XXXX   XXXX I have XXXX witch automatically puts me in disqualifying status that me the borrow could not meet because of the legal requirements required by the job the loan servicer didn't care and will not help me I asked for a full review of my student financial aid account from top to bottom they say I owe XXXX plus interest XXXX is the total they took a tax return for XXXX XXXX bucks that does not show they took I went to school for a short peiriod XX/XX/XXXX to XX/XX/XXXX So not for very long I stopped going because there was no way for me to benefit with XXXX XXXX XXXX plus no XXXX  the total time spent out of those dates at school was a short peiriod that's why I asked for a full review of my account immediately plus the XXXX XXXX tax return that doesn't show in the balance plz help me get this stopped or at least help me get a full review or loan discharge for false certification for disqualifying status because of my XXXX XXXX witch the school knew about but never told me i couldnt become a XXXX XXXX   worker they also knew i didnt have a XXXX so now they have attached my wages I can barely afford to feed my children plz help me I'm a single mother barely hanging on I'm so stressed out over this it's created a financial hard ship I don't know what to do I'm at the end of my rope with XXXX so bad I can't sleep eat barely make it to work these loan servicer are not out to help me there out to sink me and my children please help me thanks for your consideration I don't know what to do sincerely lost hope.
I contacted XXXX XXXX about a Sallie Mae hard inquiry found on my credit report, that i did not authorize. They said I should talk to Sallie Mae.I need Sallie Mae to remove this from my report.
I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. 

XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX
In XXXX XXXX, a property garnishment was granted by the plaintiff and Bank of America froze my accounts. ( 2 checking and 2 savings accounts ). 

On XXXX XXXX, the plaintiff dismissed the garnishment, and the court signed off on the dismissal on XX/XX/XXXX. I went to the bank with the copy showing that the dismissal had been granted on XXXX XXXX, and the letter was FAXED to their financial department by one of the bank business reps. ( I have copy of FAX, cover sheet and confirmation sheet ) I have been calling Bank of America everyday, and stopping into the branch every day, but they tell me there is nothing they can do. When I requested a phone number of who to call they tell me they do not have a number they can give me. Even my lawyer has tried to get hold of someone. 
My accounts are still frozen today.
There was a fraudulent charge that appeared on my XXXX XXXX  credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the Transunion credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted Transunion in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise
Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Calvalry XXXX, NY XXXX Re : Original Institution XXXX. XXXX.A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} I have received information from, XXXX, ( XX/XX/XXXX ),  XXXX respond information via CFPB ( XX/XX/XXXX ) and Cavalrys ( XX/XX/XXXX ), copy of XXXX information regarding A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} regarding my complain to CFPB. 

I am disappointed that the entire document compiled by XXXX and Cavalry did not include original term of agreement between XXXX and myself and Credit Protector fee, and how the interest, late fee or over the limit fees are accumulated and why, any record showing, how much were deducted for Credit Protector in case of unemployment or medical, issues and when was the last activities in the card. 

I am asking again furnish me with the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

Indicate clearly how the interest fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges like Credit protector are expressly authorized by the agreement creating the debt or are permitted by law. 

I have been unemployed and XXXX for a long time due to three different motor accident and XXXX and my only source of income is US {$XXXX} from XXXX XXXX XXXX/retirement ; despite that I had been paying my debts with the help of my wife who had decided to discontinue helping until the date I stopped paying all my bills. I have not seen any XXXX report indicating that they were helped with that side of benefit. XXXX who apparently sold use their legal resources to harass me and failed to meet their obligation to assist their card member in any event resulting from medical issue, or unemployment. XXXX finds it easy to sell such account to debt collector and they fail to let the Debt Collector the Calvalry know that, Medical Record had been supplied to XXXX, Protection Service who had been deducting freely from this account. Credit Protector Fee is supposed to help the Card member in any event resulting from medical reason or while they are undergoing medical treatment or unemployed, instead I am penalized for over the limit, late fee and other fees XXXX feel they have the right to charged THESE MONEY while they were not honoring my unemployment and medical condition. This information have not been included this in the documents you provided by XXXX and Calvalry and yet they are threatening to garnish my only source of income. 

XXXX failed to honor their word ; they have all the Doctor report like other who other waived or stop bothering me due to my unemployment and medical condition. I have 2 XXXX Degrees, and tried to work with XXXX XXXX XXXX without success. My medical condition has not changed in addition I had two XXXX XXXX and undergoing XXXX XXXX up to now. 

Sincerely, XXXX XXXX Cc. : XXXX CFPB