WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. 
Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. 
- I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. 
-I was transfered to someone else, I believe from fraud dept. 
- NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. 
- PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. 
- What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. 
- Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. 
-Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. 
- Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. 
-I Must work 4-5 more years to have enough to live on through retirement. 
- I have never missed a payment on any account that is mine in my life. 
THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. 
I just do n't understand why Discover will not follow the law, they know what the law requires.
On XXXX XXXX, 2017 I returned an item to XXXX in XXXX XXXX, MD. The amount of the return was {$26.00}. The return amount was credited back to my American Express Bluebird card, the same card it was purchased with. 

On XXXX XXXX, 2017, American Express Bluebird received the credit to my account but refused to release the money back into my account in a timely manner. Instead several days later the refund is still held up and not released back into my account. When I call them they say it can take several days. This is different than other credits to my account less than a week earlier. The earlier credits to my account were processed in 1-2 days from the merchants point of sale device. 

What American Express Bluebird is doing is holding my money to use for its own purposes and I believe this violates my consumer protections.
I am a retiree concerned about identity theft. So, I logged onto XXXX and tried a few times to request a free credit report from Experian. At the end of the application process each time, I received a message stating : " We are unable to process your request ''. Out of frustration, I logged into www.Experian.com and saw that I could order a credit report if I created an account with Experian and paid only {$1.00}. I did n't see the fine print saying I would be charged monthly if I did n't cancel my account within a 7 day free trial period. After signing up, I received an email from Experian welcoming me, but it did n't mention a 7 day trial or any pending monthly fees. A month later, I was surprised to see that Experian had charged my credit card {$21.00}. When I called to complain, the first person that answered said they could n't refund the charge. When I asked to speak with the supervisor and the person said OK and put me on hold -- I waited for 15 minutes and hung up. When I called back a second time, a different person answered the phone. She agreed to cancel my account and refund the charge, but said if I had waited until XXXX or more charges had been made, they would n't be able to refund the earlier charges. It seems clear to me that Experian is deliberately try to fool people into signing up for the $ XXXX/month service and hoping they do n't notice for a few months. As a minimum, I think : ( a ) Experian should n't be allowed to block efforts to order a free credit report through XXXX, ( b ) their website page offering a credit report for {$1.00} should conspicuously warn the customer about what happens if they do n't cancel within 7 days and ( c ) their welcoming email should again warn the customer about the pending monthly charges. If the customer does n't want the service, they would see the warnings and cancel within 7 days. If the customer did want the service, they would ignore the warnings and continue with Experian. I think it is ironic and totally improper that a company we rely on to protect our financial well-being would resort to such devious practices to increase their profits!
I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.
Hi my name is XXXX XXXX, I live in XXXX California. I have a loan with NationStar Mortgage and iver been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX XXXX, 2015. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage and not live on a stressful day to day basis with the foreclosures. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.
My mortgage company  Ditech  changed the monthly escrow amount during my  XXXX    XXXX   statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ).  This resulted in a late fee of {$33.00}. I called on  XXXX  to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain.   My loan number is  XXXX
I received a letter purportedly from XXXX XXXX dated XX/XX/2018 informing me of denial of my credit application for a XXXX Preferred Floor Covering account, as my XXXX credit file was inaccessible. ( It is frozen. ) I have never applied for credit with XXXX XXXX or through XXXX XXXX XXXX. 

I called the number in the letter XXXX and was asked for my social security number to proceed, so I hung up. 

The is no record of this attempted credit application on my XXXX   account.
My husband and I leased a XXXX and returned the XXXX back to the dealer in a timely fashion in 2018. Ally provided financing for the XXXX. Throughout the course of the three-year lease, we were never so much as a day late with any payment. On XX/XX/2018, we wrote to Ally and disputed certain charges they alleged, including for excess wear and tear following the return of the XXXX. We understand that Ally claims we owe about {$600.00}. Although we sent via certified mail to Ally a cease and desist letter, it continues to contact us several times a day including at our places of employment. Ally further continues to contact our family members as well as individuals who are not related to us. If Ally wishes to file a small claims suit against us, I'd be happy to defend the same and provide the court with copies of the documents and photos we have. However, we want the harassment to stop. We request your assistance in this regard. The company harassing us is : Ally, XXXX. XXXX XXXX, XXXX, MN, XXXX. Telephone number XXXX.
I have federal student loans which I am paying for the past 4 years and have been making larger then required payments for the past year. I submitted my IBR resertification form before the deadline and after receiving a letter on XX/XX/XXXX about a denial and need to send additional documents such as a pay stub because my income changed significantly. Of note I was not notified about this during my initial application. I submitted the required document and was told to wait for communication prior to XX/XX/XXXX. On XX/XX/XXXX I received a letter saying that my min payments have gone up and my interest capitalized because of resertification delays. I contacted XXXX and informed them about the fact that delays in their processing are causing my interest to capitalize and payments to go up and after speaking to 4 people they agreed to review my case. Since there was an error on my account my automatic payment was canceled for the month of XXXX but the servicer was Unable to answer if this would increase my total interest by 0.25 % for not being enrolled in autopay for the month of XXXX. 
To conclude, the customer service workers lack knowledge and tend to only read what ever the last note was posted on a given account. I request that my interest capitalization be reversed immediately with appropriate resertification of IBR prior to my next payment date on XX/XX/XXXX in order for me to re enroll in auto pay and avoid paying the higher interest during the time I have to wait for this error to be resolved. Thank you.
In XXXX XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XXXX XXXX, XXXX, XXXX XXXX XXXX updated my trade line as current. 
On XXXX XXXX, XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XXXX XXXX, XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XXXX XXXX, XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XXXX XXXX, XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XXXX XXXX, XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.
All began back in XX/XX/XXXX, when contacted XXXX and placed fraud alert on my accounts. Since that time have mailed multiple certified letters to all three credit bureaus notifying them to freeze my accounts so no one has access to my credit files or reporting. This was after had been victim of identity theft and purchased an identity theft policy from XXXX XXXX, XXXX, TN. Attempted to get XXXX XXXX to send me a policy which never did ; when I sent them analysis of the conflicting and nebulous information contained in information they had emailed me, only put me in contact with their attorney. Request for additional information continued receive information that had terms and conditions that they would not define, nor would they provide me any evidence of a contract. Contacted XXXX with Experian on XX/XX/XXXX, an alleged Subsidiary or affiliate of XXXX XXXX who told me had sign up for service ( $ XXXX/mth ) to place a freeze on my account and would replicate with other bureaus ( XXXX  & XXXX ) . When I logged back into account, there was no such functionality. When attempted to call the merchant back, Experian, the number had been Additionally, attempted to cancel this automatic draft within 30 day period they told me once I place the freeze on accounts, then could cancel service. Although, was unable to log back into the account. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, the three Credit Bureaus have been a circuitous route back to labyrinth of deception in Washington.
I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.
We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports
My mortgage servicer is not applying payments as should, XXXX XXXX XXXX, and they are missing payments which were sent to be applied to the loan. 
Payment amount has been raised over {$600.00} since XX/XX/XXXX which none of those payments have been applied to our loan.
My vehicle lease and auto loan are paid in full but still appear in my credit report. 
I leased my vehicle and after 3 years i decided purchase the vehicle. 
I own the vehicle because i paid in full all the debt. 
On my credit report appear like two different vehicles and still debt balance to pay. 
I need this balance being updated.
On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX  and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if  someone could help that would be great. 
Thank you
I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported :XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
1 ) I disputed transaction for XXXX with Citibank Credit Card on XXXX XXXX, XXXX. 
2 ) Citbank sent back a letter requesting details 3 ) I sent all details to Citibank on XXXX XXXX, XXXX XXXX ) Citibank kept quiet for 2 months 5 ) On XXXX XXXX, Citibank sent back a letter that they have closed the investigation and and requested more details. 
6 ) I talked to Citibank dispute agent to understand what they needed. I informed them about the inaccuracies in their response. 
7 ) On XXXX XXXX, XXXX, Citibank sent a letter sending th 'We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received a valid credit slip. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. 
We regret that we are unable to assist you in this matter. ' 8 ) I contacted customer service on XXXX/XXXX/XXXX. It did not yield any results. 

9 ) I have other suspicious transactions too. My understanding is CitiBank just delays and discourages customers from complaining by putting disproportionate burden.
To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.
Halsted Financial Services, LLC will call my cell numerous times daily. When I answer they immediately hang up. When I called back is when I found out who they are. 
I spoke to a person and he wanted the balance on an old account immediately. I explained I could n't do that and he began to berate me, saying things like, you owe the debt and telling me I was a child along with other rude and insulting responses. 
When I told him not to call my cell using a robot he hung up on me.
I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.