WillisBack/dataset-financial-user-claim huggingface dataset:
I have a American express by bluebird prepaid debit card I withdrew XXXX $ from a atm that I went to because there were no fees to get cash so anyhow the money was never dispensed but came out of my account still the banthat I used the atm at said there 's nothing they could do and said I had to time a dispute with the card carrier so I filed one and the told me it would take 10 to 45 business days to get back in other words since they were n't going to review my situation for 10 business days and then once the review my situation they may have more questions that I half to respond to and then up 45 days to review the questions I answers back. I know the there are laws set by the government and they are breakimy them since they are n't largely regulated
This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information
XXXX XXXX XXXXXXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal. 

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
On XX/XX/XXXX it came to light that the Equifax Credit Bureau suffered a security breach in XX/XX/XXXX which allowed attackers to access the " names, Social Security numbers, birth dates, addresses and drivers license numbers '' of potentially 143 million customers of the credit agency. In addition, " Credit card numbers for about 209,000 consumers were also accessed. '' My personal information ( and possibly that of 143 million others ) has been compromised due to the mishandling of said information by Equifax. This is unacceptable and should have never been allowed to occur on such a scale.
On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold.
This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file
XX/XX/XXXX XXXX XXXX Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter 7 bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of Mason & Mason, 164 N.H. 391,395 ( 2012 ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of 2005. ( BAPCPA ), Pub. L. No109-8 ( codified as amended at 11 U.S.C. 523 ( 2006 ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter 7 bankruptcy )
I noticed a significant drop in my credit score and because of the hack with XXXX I wanted to check on the issue. I tried to log into Experian numerous times and even though I reset my password, it 's still showing up as no account found. Like XXXX the site ask for you to enter your personal information including your social. The website just continues to loop around. Comments have been going around that hackers with personal information may try to freeze an account before the actual consumer have the chance to freeze it themselves. ( Please do n't say it 's not true, because we trusted the Credit agencies to keep out information secure and they failed also trying to get them to clear errors on a report is like pulling teeth XXXX Tried to log into the XXXX thru free annual credit report was kicked out. Tried to dispute errors for a {$710.00} amount on the Experian website from the breach they recently had, but I 'm constantly getting kicked out. It also list my spouse name is XXXX, I 'm not married. They need to stop hiding and start helping this is their mess. I 've already reached out to the Attorney General for the State of MA, my next move is to file legal action. Thank you
Huntington bank has been offering money to open a checking account. I opened an account online with them and linked my Credit Union account after they verified XXXX deposits and XXXX withdraw. I then sent {$1200.00} to my new Huntington account to meet their requirements. After they withdrew the money from my Credit Union, they did not deposit it into my new account, now the money is missing ... it is in neither account. They tell me three days before anything happens. This is a ruse ... where is my money? How many others are they doing this too and using patrons money in a slush fund. This is XX/XX/2017 and transfers are immediate, where is my money? I have been at my credit union for over 30 years and my credit score is over XXXX. Why is Huntington bank doing this to me?
Calls are coming from Citi card services. I have been in touch with them at least 4 times within the last month advising them of my financial difficulties ( I am out of job ), that I am making payments whenever I get any money and that I understand my obligation to paying my overdue balance. I made a payment this weekend. At XXXX XXXX Monday morning and today again at XXXX, I received robocalls advising me to call them regarding my financial situation. I then received calls from the same number at XXXX XXXX Monday and today at XXXX, I was in job interviews at these times and could not answer the call. No message was left to call. As I was filing this complaint ( XXXX ) I got a call from the same number. I said Hello 3 times before somebody finally spoke and identified themselves as being from Citi card services and that I had not made any payments recently. I explained to the woman that I had made a payment over the weekend and advised her of everything I have written above and advised her that while I was aware of my debt. Calling me at midnight every day in addition to the other calls was harassment especially since I had been in touch with their company repeatedly to address the matter. I advised her that I was filing a complaint with the CFPB. She said that she would put me on their do not call list. I stated that I was still filing the complaint She laughed and said that she had n't called me all those times. I asked for her name and employee ID. I had to ask her at least 4 times to repeat her name and ID as she kept saying it as fast as she possibly could. She gave her name as XXXX and her id was XXXX. She said " Bye '' and hung up on me.
The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX  I incurred no such debt then or in the previous year to the best of my knowldge
This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
I reported an inaccurate debt collection for investigation to Transunion on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
FINANCIAL CREDIT NETWORK has repeatedly attempted to collect on a debt which was previously paid in full to original creditor XXXX XXXX. 

I have requested validation of their right to collect on the debt in two separate letters to FINANCIAL CREDIT NETWORK, dated XX/XX/XXXX and XX/XX/2018, request any of the following : copies of original contract, debt details, dates, address, and other identifying information. FINANCIAL CREDIT NETWORK has refused in response letters dated XX/XX/XXXX and XX/XX/2018, in violation of my rights under the fair credit reporting act and the fair debt collections practices act.
On XX/XX/2018 I submitted a debt validation letter to Wells Fargo for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and XXXX advised me to dispute this information directly with Wells Fargo, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and Wells Fargo has failed to provide any validation of debt as requested. I received a letter from Wells Fargo showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as XXXX. Wells Fargo is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.
The company called me and stated they were a mediation group attempting to collect a debt. They stated that if I did not pay now I would face charges and be sent to court. The number of the company is XXXX. They state the name of the company is Alternative Dispute Resolutions but I can not find any info on the company. I have called them back numerous times and they will not release any information on the company ie : address, website, professional license number.
Payment made to Target National Bank was rejected due to " insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website, telephone, and secure email that the account normally used for payment was closed due to security breach, and a new account was given to draw payment from. TNB claims this never took place, and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account, paid the balance ( less the penalty fee ).
American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. 
I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name
This company failed to provide me with a truly executed copy of my loan paperwork for all 15 loans I have with their office. They provided me with only 1 copy that has a typed signature on the document. I requested the documents with my original wet signature on them. 

In addition, per the terms of the contract provided in the prior complaint ( ID : XXXX ) with this company filed in XX/XX/2018, the loan was not accelerated and considered to be in default until it has been 270 days delinquent. This company responded and stated the loan was 90-92 days delinquent. This company falsely reported this information to the credit reporting agencies, which is against Texas Finance Code 392 and FCRA. 

Per the document they provided in the previous complaint : The following events will constitute a default on my loan : ( 1 ) I do not pay the entire unpaid balance of the loan after XXXX has exercised its option under items ( 1 ), ( 2 ), and ( 3 ) in the preceding paragraph ; ( 2 ) I do not make installment payments when due, provided my failure has persisted for at least 270 days ; or ( 3 ) I do not comply with other terms of the loan, and XXXX reasonably concludes that I no longer intend to honor my repayment obligation. If I default, XXXX may capitalize all the outstanding interest into a new principal balance, and collection costs will become immediately due and payable.
I have been trying to work with Equifax with getting this account removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I reported this information on XX/XX/XXXX and was told that my documentation was mailed out on XX/XX/XXXX and I have yet to received that information yet as of XX/XX/XXXX. I have contacted the bureau and the original creditor several times in regards to this situation with no response and I do not want to be held accountable for something that isn't mines. I have sent a method of verification on XX/XX/XXXX with no response to Equifax. I just want the account to be removed and from under my name and my credit report.
I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.
XXXX has failed me at every stage of repayment. 

XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. 

XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. 

On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX   representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018
I have been trying to link my TD Bank account to XXXX and the bank is refusing to allow this transaction.
Navient wrongly placed my loan into in-school deferment sometime in XXXX. I was not given a notice of this, but a blurb was buried on my XX/XX/2018 statement. Having been enrolled in Autopay, I do not routinely check my statements, instead relying on my Loan Servicer to collect the payment appropriately and keep me on track for full repayment by my maturity date. Never having requested in-school deferment, Navient neglected to collect my loan payment for the following months, until I discovered it today. Upon contacting Navient by phone on XX/XX/XXXX at XXXX Pacific time, I  spoke with XXXX, Rep XXXX. She claimed that I was sent a communication in the Navient portal, and upon further questioning realized that no separate notification existed. It was instead an after-the-fact notification on a monthly statement, after the change had been made without my consent, hidden in a monthly statement that I had not been checking because my loan was enrolled in automatic payments. I have asked that Navient refund the capitalized interest, and indemnify me from their mistake by crediting the accrued interest from the deferment that I did not request. When XXXX declined to do so, I asked to speak with a supervisor. XXXX, XXXX, joined the phone call, giving her title as Supervisor. " On behalf on Navient I sincerely apologize that you were not notified. '' She confirmed that during the deferment period that my loan was put on, not only were payments not collected, but a 0.5 % interest rate reduction for being enrolled in autopay was also removed. I requested that my loan be removed from deferment immediately, and that regular payments begin being made. This call lasted approximately 50 minutes. As a result, I have had over {$250.00} in additional interest be capitalized to the loans principal, and have not had over {$1000.00} in principal reduction made.
Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.
hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake