WillisBack/dataset-financial-user-claim huggingface dataset:
AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.
I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX has removed those items, including these two accounts. So i dont know why portfolio recovery is still listed on my XXXX and XXXX. The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
On XX/XX/2018 I sent a letter to Equifax requesting a PIN so I could have the Security Freeze on my account lifted. Per their instruction I included copies of my Birth Certificate and Driver 's License. 
I was to receive the PIN in 7 - 10 business days. This did not occur, and I have had no reply from the company. 
Today, XX/XX/2018, I am sending them another letter. 
Until I get the Freeze lifted I am unable to open a new credit account with anyone.
What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do.
Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and XXXX balance,
XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. 

Institutions must correct the culture of investing more into cybersecurity, not less.
I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.
Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened
My school loan was a ten year loan and I made payments to the first company,  XXXX , who owned the loan begi nning in   XX/XX/XXXX . Then the loan went over to   XXXX   and I continued to make payments without any problems. In  XXXX  the loan went over to ACS and I continued to make payments. After the ninth year of my loan ended I contacted ACS to find out my payoff amount as I wanted to pay off the loan then and not wait another year. At that time I was informed that my loan was a fifteen year loan instead of a ten year loan and that it was about to go to default. I was told that I would have to pay to bring the account up to date and file paperwork to keep it from going to default. I made the payment ( ACS has no record of this payment ) and sent in the paperwork and it still went into default. I have been trying to get a copy of my master promissory note from ACS. Six months after my request they finally sent me paperwork that I was unable to read ( the words and letters were from no known language certainly not in English ). For some reason ACS does not have the MPN or the supposed updated loan information that changed my ten year loan to a fifteen year loan. They also do not have any record of my payments that were made to   XXXX   and  XXXX  even though ACS is the company who services the loans for  XXXX . I just contacted them again and I still have not reached a satisfactory conclusion as to my situation : a copy of my original loan of ten years, when and how the loan could have been changed to a fifteen year term without my permission or knowledge, why they do not have a record of my payments made before they became the company that serviced my loan ( ACS services   XXXX    school loans so that is not a valid excuse ), how they lost my last payment to them, and finally how they could have sent my loan to default when I made the payment to bring it up to date and sent in paperwork to keep it from defaulting.
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them.
I had a credit card -TD  Aeroplan Signature Card , but  I closed it in  XXXX    XXXX   and never used this card since then. I wrote to the credit card company in  XXXX    XXXX   requesting closure of my account and called them also.   I have not received any communication from the credit card, until today-  XXXX   XXXX ,  XXXX  today i received a statement with an annual fee of  XXXX .  XXXX  charged to me.   I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in  XXXX    XXXX   but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.
I 've wrote the CFPB about four months ago about Ocwen Servicing and how they stall in working out a re-modification. Once you contacted them, we got an immediate call from them. I am in a chapter XXXX and have been working thru the courts and have been makingpayments as agreed. Now they are offering us a new payment, but they are adding a $ 50thousand dollar payment at the end of the loan. The trustee said that was not acceptable and did not approve re-mod. My lawyer said that balloon payment should not be allowedin government programs as the Hamp or Harp. Are these companies allowed to do this? 
We have been working on this re-mod since XX/XX/2014. we have made all trial payments and more and still no help. We know that Ocwen was cited foe misleading and not helping homeowners in distress. I am being force to pay for a home that is worth lessthan the loan amount. All the payments do not show where the monies go and have ideawhere the money goes and they keep adding fees.
My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve
In the XXXX 2016 I applied for an American Express Gold Delta Sky Miles Card. The card application offered XXXX Delta Sky Miles. 
My Application was immediately accepted. On XXXX XXXX 2016 I received an email confirming that my Application had been approved. Upon receipt of the card I began using it and satisfied the obligation to use the card to make purchase within the first couple of months. 

In the summer I checked my Delta Sky Miles account and the XXXX miles never were posted. I called American Express ( or XXXX ) and the phone call was answered my a representative who I took to be a phone operator in a foreign country. The conversation was " strange and unusual '' and I was told that I had been sent a letter saying that I was not eligible for the XXXX miles. I waited for several weeks and i never received any letter or notice that I was ineligible for the miles. I called American Express again and was connected with a coherent representative who stated in no uncertain terms that I was eligible and the prior conversation was a mistake and that I would promptly receive the XXXX miles. This individual said there had been confusion because in the past I had had a business card but that the new card was a Gold Delta SkyMiles Card and that I was indeed eligible for the XXXX miles. Best on this assurance I started using the card again and then checked my SkyMiles account. Again no miles! So I called again and was told that I was not eligible and they had no record of the call with the represenative who told me I was eligible. I objected to this position and they stated that they would open an investigation and get back to me. To date I have had no response. I have asked for an address where I could lodge a formal complaint but I get no response.
I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.
I have called navient the past 7 months because they told me that they ca n't or did n't process my payment because they were n't able to find my bank account. Now XXXX XXXX 2017 and navient told me that I am currently {$1200.00} past due. When I have the statement from XX/XX/XXXX and XX/XX/XXXX stating I am {$0.00} past due. Every other loan is on autopay. They have n't been taking any finances out on one loan. This loan id has been giving me problems for 2 years. Now this has been ruining my credit because navient says I have paid the loan for 1 month and the next they say I have not.
I had payment arrangement with the bank and they reported me late on my credit report, I have made all my payment and I had a deferment arrangement that doing that my account would be current, but they are reporting me late.
On XXXX XXXX, 2017, I received multiple phone calls from Oakridge Direct Solutions ( " Oakridge '' ) on  my cell phone at XXXX attempting to collect a debt for a third person. I asked them to remove my cell phone ( verbally, via email, and via written correspondence ). Oakridge violated the FDCPA multiple times ( e.g. attempting to collect a debt with a bystander, feigning the debt arose from criminal activity, failing to give a FDCPA warning, using hidden phone numbers to collect said debt, denying they are attempting to collect a debt, and lying about legal papers and processes ). See Recording ( attached ) XXXX ( Screenshot_XXXX ) and XXXX ( Screenshot_XXXX ). Ergo, I filed a complaint with your office. See Complaint XXXX. <P/>On XXXX XXXX, 2017, Oakridge again called my cell phone at XXXX still attempting to collect a debt on this third person. See XXXX ( Screenshot_XXXX ).  Oakridge left a message to call XXXX. I called and received a message this number is not valid, or no longer in service. However, when I had others call - then they receive a message they reached Oakridge. <P/>Plainly, this is telephone harassment as Oakridge continues to call and leave messages with me knowing they have enacted measures to stop me from contacting them.
Received notice to pay a debt that I was unaware existed. Disputing the validity of the debt. I do not have a contract with named company.
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Fresno Credit Bureau XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)
I attended the school and couldn't afford to keep going I dropped out of the school before the next semestar began and did the exit review in their financial aid office to not allow more money to be taken out for a loan. But, they took out the money anyway for the next semester and they are now not even contacting me to get this resolved. I have called them over five times and every time i called they were in a meeting which was their excuse. I even went to the school office and they did nothing either saying the same answer the person i need to speak to is in a meeting or on lunch etc. They sent this over to a collection agency even though they told me that I wouldn't get charged for the next semester. This is fraud and further ruining my credit.
XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
Factual Data appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry.
XXXX XXXX XXXX  appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone.
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company.
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXX. 
Thanks
XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report.
I opened a joint Capital One 360 checking account online with my partner for the sole purpose of having our federal income tax refunds deposited into it. We both had to answer security questions to verify our identity. Both of us answered correctly. Per our request, Capital one mailed out our cards to a trusted friends address due to us having a huge mail theft problem in our area. We had no problems with the account until the day our refunds were deposited. Spoke to a CSR that stated our account was closed after further internal review after the account was opened. Even spoke to a supervisor that stated the refunds would be rejected. They did accept the refund deposits. Now we have over {$8200.00} in that account which we are being denied access to.
I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.
I am no able till now to access my account with Wells Fargo Bank. I need to access my account because this is account receive my Social Security XXXX fund. This Wells Fargo Bank need to contact me directly on how to access my account right now by using my Social Security number.
Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.
I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX
I spoke with someone, this morning in the disputes department of Barclay Card.Not only was she condescending and kept interrupting, her responses and tone can tell she didn't care, frustrated and unprofessional. 
I was charged for a XXXX rental, that was prepaid, with mileage I earned on their card with their partnership through XXXXThe rep I spoke to today told me they have nothing to do with them, though, they sold me the card because of their joint relationship.I was charged almost {$500.00} for the rental that wasn't suppose to be.And for the last three weeks, have been given the run around by both XXXX, XXXX and of course Barclay card. 
Their ethics of doing business with customers ( at least for me ) is reckless, irresponsible, unprofessional and not obscure. 
Their responses to issues are so bad.In XX/XX/XXXX, my card was fraudulently used and it took them a week to notify me, not by e-mail or phone but via text but you want to get paid on time but fail to neglect your duties to customers
hello i applied for XXXX card with this bank and there rep told me about all the other cards they have and said that if i apply to them within 30 days they will use my report on file well i did but now i have XXXX inquiry on my report the last XXXX of my ss are XXXX
I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.
on XX/XX/2017 left XXXX XXXX XXXX phone company and paid all my balances since I was a customer for 15yrs with them, I wanted to make sure they would release my phone numbers and be clear on my credit. after 3 months they kept billing me for my monthly service. i called and they failed to credit the amount for services I did not received. i filed a complaint with FTC and did not get results. Now, I am getting constant phone calls, letters from Sunrise Credit services. XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX for the amount of {$410.00} I keep spending time on this dept that is not mine and is ruining my credit. please help
I had an old 0 % loan on my Discover credit card for the life of the loan. Its balance was about {$1400.00}. On XXXX XXXX, 2016 I mistakenly made a {$5000.00} 0 % transfer loan on my Discover card also. Four days later I discovered my mistake and paid {$5500.00} to repay that {$5000.00} plus the transfer fee and a bit extra on the old loan. I was told that Discover, " at their discretion '' chose to pay the smaller 0 % loan that was for life of the loan instead of the larger 0 % loan that was due sooner. That is not right. Extra payments are to go to the loan that is due sooner.
I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.