WillisBack/dataset-financial-user-claim huggingface dataset:
Made payments to Discover Student loans through electronic payment on XX/XX/2018, directly from my checking account to their account as I have been doing for the past 10 years. The payment of XXXX and XXXX  that have been withdrawn from my banking account are claimed to have not been received. These payments would pay off those loans. I have called their customer service multiple times always to get the same replies of it will take various amount of days to investigate, which every time I call I get a different response of 3 days, 5 days, and now they are telling me up to 14 days.
I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.
I have contacted Trans Union on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but Trans Union is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
I paid off a credit card when refinancing. The payoff was {$1600.00} too much. Wells Fargo received the payment on XXXX/XXXX/15. said they refunded the money 20 days later on XXXX/XXXX/15. 19 days later still have not received the refund. 
Spoke to a " supervisor '' who said that if I wanted another check sent out, they would first have to send me a letter to get notarized, send it back and then Wells Fargo will send me another check in the same manner. they refused to send it via any way that can be traced.
To whom it may Concern I made a payment on XX/XX/18 to Mulit financial in the amout {$310.00} and it wasn't posted.. After making several calls to mulit fimcial without any success i reached out to XXXX XXXX XXXX XXXX  who hold my mortgage for help. 

At that time a employee from XXXX reach out though email to see why the payment wasn't posted. Not until XXXX got involved the next day my payment shows. 

When ask why it took so long for payment to shows 20 days later from payment date no answer.. Now payment is showing as if it was posted correctly on XX/XX/2018 XX/XX/2018
Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash
Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.
At the beginning of XX/XX/XXXX I was accepted to get a modification on my mortgage with Nationstar Mortgage in XXXX, Texas. I was to do XXXX trial payments starting in XXXX which I completed and got my modification. I got my final paperwork to sign and get notarized and send back to Nationstar. On my paperwork it stated that " Borrower promises to make monthly payments of {$700.00} starting on XXXX XXXX. '' I sent XX/XX/XXXX payment and then XX/XX/XXXX. The middle of XXXX I got call from the mortgage company that I needed to sign the paperwork again because they said did not have all the pages but this would not affect the modification. I did that. In the beginning of XXXX I received XXXX letters ( XXXX reg. mail and XXXX cert. mail ) stating that if I did not pay {$1100.00} by XXXX XXXX they were going to start foreclosure on my home. I called and asked what was going on. First they tell me that my monthly payment is not {$700.00} but is {$940.00}. I asked why it was not on my paperwork and they claim that they did not know what my escrow payment was. ( I did not believe that ). I asked why I was not notified and was told that because of my bankruptcy ( discharged in XX/XX/XXXX ) that by law they do n't have to send me monthly statements or call me to tell me what I owe. I asked how would I know what I owe then and they said I could call them! Why would I call them if my paperwork stated I was to pay {$700.00} every month?! When I call this company the agents can be very rude and everyone gives a different answer to the same question.If I call XXXX of of their loan specialist on their private number I never get them but get their voice mail and I leave a message and they never call back ( ever ). The foreclosure is in suspension now so I can try and get caught up but I feel this is their mistake not mine. I called the XXXX office in XXXX, Tx. and they have a F rating. I filed a complaint with them and also the Texas Mortgage Banking and Savings Lender.
On XX/XX/XXXX I tried to make a payment for my Wells Fargo credit card but the website did not allow me to add the payment account and gave " account already exist ''. Though I have not added any account in past and my credit card itself was just 3 weeks old.

When I contacted their support, the rep said this has been reported to " TECH '' and will be worked out soon.

On XX/XX/XXXX I tried again and got the same error, and after calling to Wells Fargo got the same response that this has been reported to " TECH '' and will be worked out soon.

Today XX/XX/XXXX I tried again and got the same error " account already exist '' and due to this I can not make payment and Wells Fargo is not allowing me to make a payment and seems will put charges on my account due to non-payment.

I request CFPB to write and instruct Wells Fargo to provide a resolution and also not applying the non-payment charges to my account.
credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.
I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.
Portfolio Recovery is knowingly reporting false information to XXXX, which is damaging my credit rating. They have continued to falsely report it as an open, revolving account. They are misrepresenting themselves as a factoring company when I have never had any such agreement with them. They are not allowed to report it as a factoring account and list a past due balance as an installment loan since such account was not in good standing when they purchased it. 

This is a collection account which Portfolio Recovery Associates failed to validate under California Finance Code after numerous attempts. I have also disputed with the credit bureaus only to have them come back with verification of the " tradeline '' from Portfolio Recovery Associates yet never provided me with verification which violates the FCRA and FDCPA.
There has been previous issues involving XXXX XXXX XXXX online " Bill Pay '' and SYNCHRONY FINANCIAL and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

Synchrony tells me the collection dept made attempts to collect $ XXXX/month and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX/month since opening the line of credit.
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XX/XX/XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.
My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft.
I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''
Lender withdrew XXXX payments from my account when they were only authorized to take 1. They had a computer glitch and mistakenly took XXXX extra payments. I was not notified by my lender about this issue. The only reason I found out is because I was issued a Non-Sufficient Funds notice from my bank due to the extra payments they took out. Once I found out the error, I called them immediately. It was at that point that they notified me of the glitch that caused the error. I feel this was completely negligent behavior to not even notify me. Now I have to prove that they were the cause of the NSF to get the fees repaid.
On XX/XX/2018 I closed my checking and savings account and moved all my funds to another bank. A few days later a check I had written was presented to the bank for payment of {$9.00}. Rather than refusing the check, the bank reopened my account and paid the {$9.00}. The bank then charged me $ XXXX+ a {$35.00} insufficient funds charge on my closed account and assessed me a {$30.00} per week charge for every week subsequently. Of course I knew nothing about this until I received a notice from my former bank on XX/XX/XXXX demanding payment of {$130.00}. I have tried to resolve the issue thru contact with customer service. They offered to waive one fee and told me to speak with the branch manager, a XXXX XXXX. This was to no avail. Attempts to contact the regional manager were thwarted by the banks refusal to provide his phone number or proper email address. Attempts to contact senior officials in higher offices were also hampered by promise of " I will check into that and get back to you '' I paid the bank the {$9.00} they were owed but have refused to pay the assessed fees for their stupidity.
My wife and I worked with XXXX back in XX/XX/XXXX-XX/XX/XXXX to help us get rid of and negotiate some credit card debt. This was completed in early XX/XX/XXXX and we felt wonderful about it. Last week, we went to our bank looking into refinancing our house and one of the XXXX negotiated accounts is still showing up on our credit report showing we owe {$10000.00} when in fact we received documents that we graduated their course and all debts were settled. I 've been on the phone for hours today with XXXX and Chase Credit Card Services and have not had any satisfaction in getting this resolved and the debt removed from our credit statement. I ca n't afford a lawyer to fight this and hope that the Bureau of XXXX will able to make this right. Thank you for your help. Please advise.
I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person. 

They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.
On XX/XX/XXXX I purchased a license for XXXX XXXX   for {$140.00} via PayPal. On XX/XX/XXXX, they charged me again for the software. It was inappropriate for the company XXXX to charge me again and PayPal refuses to reverse the charge. The website for XXXX   makes no mention of charging repeatedly for the same software that I have never had any use for anyway.
I cancelled my Citi card in XX/XX/2016. They did n't cancel it when I asked them to because they wanted to make me an offer. They accepted another charge to the card that I had cut up and disposed of then started charging me late fees for not paying. I called them, and straightened it out ( I thought ) on speakerphone with my husband listening. The service agent worked with me I made a FINAL payment on the phone. I asked TWICE if that was going to XXXX the balance and cancel the card and she responded YES. Today I got another bill for XXXX. They charged me a minimum fee of {$.00} and then a late fee of {$25.00}. I called and asked why. Because it 's the minimum fee ... the service agent could fix the late fee but could n't fix the minimum charge so it will just keep billing me forever. It 's only been {$38.00} so far because I keep calling and having them remove the charges but this is ridiculous to go on this many months.
In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact. 

A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!! 

So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.
I cosigned my daughter 's student loan from XXXX ( now Navient ) almost 9 years ago. The understanding was that once she made 24 payments on time and was working and had established good credit, I, as the cosigner, could be released. Two years after she made 24 monthly on time payments, we attempted to get a release to no avail. Navient had changed the due date of her loan without advising her and that became the reason that they would not release me as cosigner. Fast forward several years ... My daughter is a XXXX for XXXX and makes 3 times what I, as a XXXX and XXXX, make. As a XXXX, it is common practice in XXXX to have the XXXX use their own credit cards for entertainment and travel, then get reimbursed by the company. Although we sent all of the appropriate documentation to Navient, they refuse to consider my daughter 's situation as an XXXX who gets reimbursed at the end of every month for the expenses relative to doing business. They have continually refused to release me as cosigner no matter what. I would like an investigation into how many people they have released as cosigners and I would like a financial person to review my daughter 's situation. Their customer service people are rude and nasty, unhelpful, and the company is completely shady. When it was XXXX, they were much easier to deal with. It is also notable that my daughter has paid more than the monthly required amount and they still will find a way to deny the request for cosigner release. Please review and look into this. Thank you.
Information on my report is not mine, identity theft, personal information is not mine, accounts that are not mine and have never had, and places i have never lived. Since late XXXX, i have been goring through with this credit agency, i submit a dispute, they then deny me access to the account, i call and they tell me they have fixed the situation. when inn fact that has never happened with experian. once again this happen, today XXXX/XXXX/XXXX. they continue to charge my credit card for services i do not request. then deny me access to the account. i am unable to print a copy of my full report. here is a list of atempts to deal with this service. and there is much more.
I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing?