WillisBack/dataset-financial-user-claim huggingface dataset:
I found a XXXX XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX or take my adult son there in XXXX or XXXX or any other time. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Experian and XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.
I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX  interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail.  On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX  online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.
Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. 

Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. 

Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.
Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.
Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX
XXXX I did some purchase fro Paypal Credit. for the amount of {$240.00} They are overcharge me {$400.00} per purchase. I did n't use my credit card for this date XXXX XXXX, 2016. Also I sent many time some documents as well as Bank Account, receipt and etc. I did many phone call even in XXXX and XXXX. I return a purchase fro amount {$130.00} from XXXX 2016 and They do not want to debit the amount of the purchase {$130.00}. they always charge me overtime, having paid almost all of the debt. I did some many phone call and nobody help me. Please help me as soon as possible with this matter. thank you
I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.
Ditech calls all times of the day and night the representative is rude and disorderly. The supervisor is never available and the person who is representing me is rude and nasty
I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.
In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before. 

However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX. 

XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist. 

For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused. 

I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account. 

I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase. 

I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high. 

My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand. 

I want My credit score back.
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XX/XX/XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3.  My FTC report 4. My Small claim form
My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.
I have XXXX checking accounts with Citizen Bank. XXXX is a primary that has a XXXX plus balance anther is a older account that was setup for direct pay of utilities balance usually {$1000.00} or less. The bank suggested that I cancel the utilities direct withdrawal. I did cancel the utility direct withdrawal. The bank also suggested and demonstrated the online bill pay feature. I went on my online account and started paying bills online. When you click the pay bill online button it does NOT give you the option of which checking account to to with draw from, it just chooses which ever account it wants. On the next screen the site just defaults to a checking account it calls " default checking account '' showing just the last XXXX numbers which on the the main page shows just the last XXXX. This is where it gets misleading and confusing. You see the terms " default checking account '' and XXXX digits. If your not looking closely you can start paying bills like its your primary checking account. I started using bill pay with smaller bills and seemed to work fine. Then I started paying bigger bills and it over-drafted XXXX times in two days due to using the incorrect account number that the system defaulted. In my case it defaulted to my non primary utility paying checking account and rang up {$170.00} in fees which Citizen would not credit. It never gave me the option to CHOOSE a account initially and then defaulted to an account I never use and has insufficient funds. If the system defaulted to a specific checking account it should have defaulted to my XXXX account which it did not. I believe that bank defaults the pay bill feature to the account with less funds in it. Citizen could not give me a explanation for why the system defaulted to the secondary account and cost me {$170.00} in fees. All they can say is that the you can change the account after the SYSTEM CHOOSES a account for you. I want to CHOOSE my account not have the system default to which account it feels like. 
I feel that this is happening to others.
I was involved in a XXXX. I was asleep and my apartment was broken into. Many items were stolen including my debit card. It is a CHASE debit card and when I called to freeze my card they asked me several questions about the last payment I made. The CHASE employee on the phone talked fast and had a strong accent. He asked me about a certain charge but never said a time or place and I misspoke and said that charge was made. This call happened around 8 hours after the incident and I was still shaken up from it. There was {$480.00} taken out of an ATM that was not me and was fraudulent. CHASE denied my claim because I misspoke about another charge that they think I verified. I 've called them multiple times but my case is closed and there is no appeal process other than the court system. I do not want to sue them, but this whole process has taken so much of my time and has been really hard on me especially because I am a XXXX and I spend hours on the phone with CHASE. All I want is my money back, but CHASE does n't care. They never asked me for the police report even when I offered to give it to them. The evidence does n't add up because the police were called about the incident before the charge on the card happened so there is no possible way I could have made the charge. Please please help me.
Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX
XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.
Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.
Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?