WillisBack/dataset-financial-user-claim huggingface dataset:
This is for XXXX, XXXX and Experian. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call Experiana nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with Experian..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX   balance is showing {$1100.00}, XXXX XXXX XXXX  with XXXX XXXX XXXX {$28.00} , XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Navient mislead me to believe that placing my student loans in a forbearance status was the only option I had to manage my student loans. In all actually placing my loan on an income driven repayment plan would have kept my loan current. At this point my credit has been ruined and the fees associated with my student loan have become overwhelming.
Hello- I sent XXXX XXXX XXXX multiple disputes to verify and validated the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Unfortunately, they never sent me proof of any late payments or verification of the account. The only letter that they sent me on XXXX only provided just an open date of XX/XX/XXXX and {$0.00} Balance. This does not meet FCRA 's criteria for account validation or verification. 

Also, I notified them of inaccurate reporting errors on their part ( inaccurate : Open Date and Unverified late ) and requested that they remove the unverified lates. 

I sent disputes to the Transunion and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They too have yet to send me any proof or correct the inaccurate data on my reports. 

Please help!
On XXXX XXXX, 2016 I updated my Paypal account due to the fact that my debit card account number had been changed. That same date I made a payment of {$110.00} that was set to process from the previously existing primary account but the payment was extracted from THE NEWLY ADDED account! I have a clear history of " careful exact '' payment processing on ALL purchases made.Upon careful consideration of the only variable I can only surmise that the " error '' on Paypal 's part was in their processing of the newly added account information not to the account that was checked ( and double checked ) before submitting said payment. It was due SOLEY to the error in THEIR processing technique directly resulting in overdraft fee 's of {$40.00}. 
XXXX/XXXX/2016 Withdrawal at ATM # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$110.00} - {$89.00} XXXX/XXXX/2016 Courtesy Pay fee {$30.00} - {$110.00} XXXX/XXXX/2016 {$6.00} - {$120.00} XXXX/XXXX/2016 Courtesy Pay fee {$10.00} - {$130.00} Though difficult to access means of communication as soon as I was aware of their error I informed Paypal of the " situation '' and to date I have received NO response. Contacting their resourced " customer service is not a viable option. What I did receive was the attached suspicious email ( from Paypal? ) I did not respond by logging onto my account but sent the suspicious email to Paypal XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com AND HAVE RECEIVED NO ACKNOWLEDGEMENT OR RESPONSE either regarding the money taken in error or an explanation or acknowledgment of any issue including if my accounts have been compromised! 
From : " XXXXXXXXpaypal.com '' & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX Sent : Sunday, XXXX XXXX, 2016 XXXX Subject : paypal account access has been Iimited PayPal Notice to Customer, Your account access has been Iimited because we 've noticed significant changes in your account activity. As your payment processor, We need to understand these changes better. 
This Iimitation wiII affect your abiIity to : Payment for purchase Send or receive money Withdraw money Close your account What to do next : Please login Here to your account and provide the requested information XXXX XXXX at XXXX XXXX To XXXXXXXXpaypal.com Message body On XXXX XXXX added an account ending in XXXX ( preceding and CAUSING YOUR ERROR? ). I then made a payment that was by Paypal taken from the WRONG ACCOUNT causing {$40.00} in unnecessary unjustified bank charges! 
In more than a decade I have never had an issue! 
I am POSITIVE I made the payment from account ending XXXX! Not the newly added account IN MORE THAN A DECADE I ALWAYS CHECK AND DOUBLE CHECK! A refund of the {$40.00} should be made immediately! I will wait 24 hrs! THE ONLY VARIANT FACTOR was in adding a credit card then though NOT MAKING A PAYMENT FROM SAME! 
A {$40.00} refund for your processing error made to acct should be processed immediately! 
I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS AND TO DATE HAVE NOT RECEIVED ANY RESPONSE!
I hired a wedding planner in the XXXX - Vals Wedding. My fiance and I paid a {$500.00} deposit to secure our wedding date back in XX/XX/XXXX, yet were just told that the wedding planner is no longer going to perform wedding services. She has referred us to another company that will honor the prices she provided, however our deposits have not been returned. There are appx XXXX brides that have been put in the same situation. The planners website is https : //www.weddingsindr.com/. Transaction was made via PayPal. XXXX has stolen our {$500.00}, and will not respond when the brides inquire about it.
XXXX, Transunion and XXXX have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help me.
Creditor ( XXXX XXXX  ) hired lawyer ( Green & Cooper, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or one cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.Greene & Cooper does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable!

I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!
while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.
I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX money transfer to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. Can you please arrange refund of my money of {$950.00} as I was a victim of online scam. Please see attached XXXX receipt for that I paid the buyer. Thank you,
Equifax had knowledge of compromised data by XXXX XXXX 2017 and said nothing, leaving people unknowingly exposed for multiple months. Also had many difficulties putting a freeze on my report with them including being hung up on when I asked to repeat my PIN number for the freeze.
JC Penny lowered my credit line based on incorrect data on the Credit Report. I have a prior case opened and it is still pending. Yet this action in my opinion a SCAM because it places me at my credit limit further impacting my already wrong low credit score. My credit score   XXXX !!!!! and they do NOT tell me where they got the information even though they allude it is noted. You find it! I might  XXXX  they offered me the credit even while I had an extremely low score- bait me in them clobber me! SEE PRIOR COMPLAINTS SYNCHRONY BANK- who advised me they already corrected the errors and credited me back money. I now have to be continually exposed to ineffective credit reporting further impacting my financial ability. It has cost us significantly in declined loans and usurious rates. Personal opinion a scheme to indenture people financially! They can take your money instantly from your bank account but they can not correct your credit- it tak es 60  to 90 days. Furthermore I have a security freeze on all  XXXX  they can not find. That was my last report so how did this company gain access???????
I have had several calls and mail correspondence about credit cards from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and Chase. XXXX and XXXX XXXX have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
I have contacted Equifax by mail on XX/XX/2018 and XX/XX/2018. I requested verifiable proof of the original signed consumer contract bearing my signature to verify that the information is mine and also correct. Instead, Equifax opened up disputes each time in which I did not request and stated that the accounts were updated and verified. I also requested to know who and how were the accounts verified in which I received no response. When I contacted Equifax via phone I was told that I could find the information of the creditor on my credit report and to contact them myself.
I want to bring a few concerns of mine to your attention in regards to a stop payment request I made on XXXX XXXX and XXXX to USAA. 
1. Lack of appropriate controls in place to ensure my stop payment request was placed on my checking account, costing me {$850.00} as a result,2. Working with representatives that ; a. Hung up on me when they became frustrated with my call, b. Provided me with false identification when I asked for a way to know whom I was speaking with for reference, i. I discovered this when I spoke with a manager who could not locate the agents notes or the agent when I provided the reference I was given,3. Unauthorized transactions on my account, a. I directed the last supervisor not to remove the stop payment fee as I paid for a service, to stop payment, the supervisor removed this fee specifically against my directionOn XXXX XXXX, 2015, I called USAA to request a stop on a check. I provided the representative with the check #, the name of the payee, and informed the representative of the approximate amount of {$880.00}. I told the USAA representative I was n't sure the amount was accurate. The USAA Representative informed me as long as I gave him the check # and the payee I made the check to, he would place a stop on the check. 

On XXXX XXXX, 2015, I called USAA back, to provide the exact amount of the check, which is {$850.00}. The representative informed me that it would take XXXX hours for the system to process and cancel the XXXX stop and the XXXX stop would set in. 

On XXXX XXXX, 2015 I checked my account and discovered the check had been cashed on XXXX XXXX, 2015. This was XXXX days after my last call with USAA to place a hold on the check. 

At this discovery, I called USAA and spoke with a representative who terminated the call unexpectedly. I called back and spoke with the manager and he confirmed the fault of USAA for not placing the hold on the check.. He informed that he noted my account and asked for my phone # for the Executive Resolution Team to call me in XXXX hours. 

The next day XXXX XXXX, I called USAA and spoke with the Executive Resolution Team, identified himself as XXXX. I explained my situation and XXXX was no help to resolve the mistake. XXXX stated, there is nothing he can do for me and he left me with no solution. I asked for his superior 's contact information and he said, he is the highest and gave me no information. 

XXXX said, he can credit me back the {$29.00} service and I asked him XXXX times to not credit my account. I informed him I do n't want the credit back to my account I wanted the stop payment service performed correctly. However, I checked my account the next day and discovered that XXXX disregarded my requests and still credited my account without my consent. 

This is just plain lousy customer service from USAA employees and there was nothing else I could have done to effect my goals. USAA failed and adding insult to injury refused to take any blame, responsibility or acknowledge wrongdoing beyond the failure to put in place the stop payment ( acknowledged by XXXX but denied by XXXX ).
My son found a car on XXXX and contacted a lady by the name of XXXX XXXX and we were sent pictures of car. We then contacted her again and decided to buy the car. She is in the service and we informed that the military would be sending the car to us because she was going XXXX again. The money was transferred to an XXXX agent in Tennessee and once the money was received we contacted them again. We have not heard from them since nor will they return phone calls.
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX received payment in full for {$540.00}, XXXX XXXX XXXX has no right to attempt to collect it again ; and your verification method is in error ... I contacted original creditor and was told that they did not verify this paid debt as being owed to anyone ... and they said you are probably using e-oscar which often report false or settled accounts ... litigation will follow, if it isn't corrected ... F.C.R.A. law has been violated
Our family has a Bank of America XXXX XXXX visa card with an associated annual fee. One of the purported benefits of the card is that when it is used for travel on the airline baggage fees are waived. We attempted to resolve a baggage claim fee charged to us at the airport automated kiosk with customer service staff and they told us to resolve it later via their toll free number so that we could make it to our flight. In person, staff reassured us that we could resolve the situation later. We called the toll-free number today and were informed that the {$50.00} baggage charge would remain because we did not use the appropriate card with the appropriate reservation. 

Feels like a fradulent perk of this card. We would like to dispute this charge and the customer service around this issue was terrible!!
Wells Fargo, a big bank on which one could place the designation " too big to fail '', is actively engaging in fraud, and getting away with it. Since XX/XX/XXXX, they have claimed not to have received one of my monthly payments, and since have placed fraudulent charges and late fees on my card, month after month, though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments, and made clear what is incorrect. However, they have done nothing except continue to engage in fraudulent activity with my account, and call asking why I have n't paid for it. It is destroying my credit, and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else, for that matter ) to be deceived by the banks that are " too big to fail '', and have their futures tarnished by a mistake which was not their fault.
I filed a quality of service dispute on XX/XX/XXXX ( Dispute # XXXX ). The investigation was not done properly by the bank and therefore the bank asked that i refile the dispute. I filed it the second time on XX/XX/XXXX ( Dispute # XXXX ). In a letter dated XX/XX/XXXX, the bank said the charges are valid based on the infomation provided by the merchant. I asked the bank to provide me a copy of the information received from the merchant. I was told that the no information was received from the merchant as it is voluntary. Based on the conflicting information provided, i contacted the executive office of the bank through BBB. On XX/XX/XXXX, i was informed by the executive office that they can not file a dispute because of the guidelines provided by XXXX. On XX/XX/XXXX, i contacted XXXX and was told that the dispute can be filed under Reason Code 53.

Chase had repeatedly failed to dispute the charge with the merchant. By doing this, Chase is standing behind fraudulent merchants.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.
I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure.
Can not access Transunion reports, file a freeze, or use any of online tools they offer. Have called multiple times been transfered back and forth. Some tell me I have multiple files some tell me there is nothing wrong. I am getting no where with them
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.