WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.
XXXX I submitted and trusted XXXX protection plan by good faith to assist in repairing my credit or Positive Credit Builder as they may call it. My personal information was exploited and am effected in a negative way by resulting in more inaccurate non verified information for the accuracy on my name and report. This company was paid and I recieved nothing as guaranteed. The company submitted Inaccurate information with my name and social security. I have never recieved any credit updates, only more negative items on my credit. As a result have suffered financial hardship, theft, and fear of the privacy and good will for what represents me which is now falsely added making me look horrible as a human being. XXXX I filled identity theft and was not protected nor notified by any agency or reporting agency.
I have tried for several days to freeze my account with Equifax. Each time after entering all the required information, a page says the website is " temporarily '' down - try again later. I called a service representative who gave me what she said was an alternative site, but had the same experience. I have tried to freeze every day from Sunday ( Sun. XX/XX/2018 ) through today, Thursday ( XX/XX/2018 ). I had no trouble freezing the account at the other two credit reporting services. Is this a delaying technique hoping those seeking to freeze their account give up? 

Thank you for your consideration.
Tried to pull two credit reports today ; Experian and XXXX. 

For identity verification, XXXX  displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with XXXX. 

Later today I tried to pull my Experian report and received the following message - " We're sorry. A condition exists that prevents Experian from being able to accept your request at this time. ''
I had a XXXX car accident in 2006 which left me XXXX and XXXX for quite some time. I am now clear headed and realize I was a victim of a predatory loan scam by Quicken. I now need to renegotiate this and/or get some relief such as the additional interest removed and a fixed rate. The loan has been sold several times.
I have been trying to find out more about the credit card collection account reported by Chase bank for about a year. My last dispute was submitted via XXXX on XX/XX/2018 asking to verify the debt since I have never done business with Chase bank before. The result always has come back as " accurately reported '' and I have no knowledge of this Chase credit card.
There is an unauthorized inquiry on my credit report made by XXXX Bank on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}. 
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''. 
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX. 
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.
I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.
They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.
I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.
I have been receiving harassing and threatening telephone calls from a Bank of America representatives in regards to my Bank of America Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Bank of America to delete and remove the debt of {$600.00} from my credit card account.
On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.
I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.
A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX
On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.
SYNCB/ XXXX  is reporting a secured loan on my credit report that I did not apply for. I contacted them already and they stated that is account would be removed from my credit report and it has n't. It shows that this account is joint with  XXXX   XXXX  is and I have no idea who this is. I never noticed this account on my credit report before and It is affecting my credit because it shows 90 days late. That is how I knew it was on my credit report because I got notified through my credit monitoring. You can look at the payment history and see I never paid for this account ever. I would also like for you to furnish a document that shows my legal wet signature and video footage of me signing for this loan.
JPMorgan has hacked my computer therefore I had to use my tablet. My last complaint was going, to my last but this bank has decided to go hard ball so here we go. The person who changes the automachine when one calls their customer service number has mental problems and tells lies everyday, but I have learned tape the machine. I thought my apartment s we're not getting paid back in XX/XX/2018 so I called them and they said that they were paid in full-time This is when I knew that JPMorgan bank was corrupt. 
I sent {$3000.00} at first and then had my personal bank though a dispute take it back when I found Chase JP Morgan bank to be corrupt. Today the machine states I owe them the $ XXXX back. 
All lies.
I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.
D. Scott Carruthers have called, harrassing all my family members, daily, multiple times a day. I do not know what the debt is, I have never received anything via US Mail verifying said debt.
I bought a car from XXXX XXXX on XXXX/XXXX/XXXX. The vehicle purchased was a XXXX XXXX XXXX with XXXX miles. I drove the car home and it stalled on me and was hard to restart once I made it back to my residence. Once I got it restarted it drove a bit but was hard to restart once I shut it off and tried to crank it up again. The next day it barely cranked over after numerous attempts it finally caught. I received a call from the lending bank ( Credit Acceptance Corporation ) and they wanted to verify my information before funding the deal. I did not verify my information with them because of the problems I just inherited. So I spoke with the rep for XXXX minute or less on XXXX/XXXX/XXXX. XXXX XXXX called immediately after hanging up with CAC and wanted me to call them back and verify my info and I said I could n't and was told to tell the bank I gave {$3000.00} for a down payment. However, I did no such thing. I gave XXXX XXXX a {$700.00} down payment and was scheduled to make another payment of {$500.00} for a down payment not {$3000.00}. They submitted paperwork to CAC stating I gave {$3000.00} in cash and that is a lie. CAC went through with the verification process without my consent and funded this deal and I have a account open with CAC where I am on the hook for {$18000.00}. This I found out after I took the car back to XXXX XXXX on XXXX/XXXX/XXXX and told them I did not want the car because of the issues I had the first day taking it home. They told they would look at it and fix it but I told them do n't bother I do n't want the car anymore because the deal was not completed ( verified by the bank and I ). XXXX XXXX lied about the down payment I gave, CAC accepted the lie and I am told I am stuck with the product of a fraudulent deal.
Transunion is refusing to remove  four  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Transunion 's request and they have each individually confirmed my concern that Transunion is reporting someone else 's information on my credit. I am filing this complaint because Transunion is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX   with account number "  XXXX  '' ;  XXXX  with account number "  XXXX  '' ;  XXXX   XXXX  with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Transunion and these companies and I feel stuck and do not know what else to do.
Transunion just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but transunion is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.
Cavalry portfolio services XX/XX/2014 {$370.00} it is reporting to the bureau twice.
XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.
I hold the durable power of attorney for my aunt who is medically unable to handle her finances and other items. Earlier last year we decided to move all of her banking from XXXX and XXXX XXXX to USAA Federal Savings Bank. This process was extremely difficult because even USAA didn't understand their own process for establishing a power of attorney on a new account. We were forced to deal with the same account lock out situation. After several weeks, the account was set up with the power of attorney and I was able to manage my aunt 's financial obligations. 

Today ( XX/XX/2018 ) when I tried to access her account, I received an error message indicating the account had been locked because contact information was incorrect. This seemed odd as I did not recently provide any contact information. I called the phone number that was provided to unlock the account and was told I would have to call back in several days. They refused to give me any reason for the account lock and hung up on me. 

I understand that sometimes security issues arise but that is no excuse for not notifying the member or their representatives ( as specified in the account details ) that were created when the account was opened that access may be limited during a security review. If USAA doesn't understand their own processes for POA 's on an account, perhaps they should review their policies and procedures and provide remedial training.