WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
I have recently started a credit counseling debt management plan. My loan through XXXX was added to this and is being reported on my credit report as being handled by a credit counseling agency but that it is a delinquent account and past due. I have tried contacting the company but I have received no response.
I filed a Fraud Alert with XXXX on around XXXX XXXX, 2017. 
I have not heard back from them since then. 

I did get a letter in the mail from XXXX on XXXX XXXX, 2017. 
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me. 


Today, XXXX XXXX, 2017, I received and e-mail from from Credit Karma that Synchrony XXXX/XXXX and XXXX XXXX had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry. 
A Hard Inquiry not only lower my Credit Score ; but, is also an indicator of fraud. 

I filed and Identity Theft Report at XXXX. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department of Synchrony XXXX and XXXX XXXX. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with XXXX today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called Synchrony XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called XXXX XXXX, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that XXXX posts a XXXX XXXX on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH Synchrony XXXX and XXXX XXXX. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX XXXX XXXX XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. Thank you.
Hi, I accidentally sent XXXX electrify XXXX tokens to a XXXX address that XXXX uses for my account for ethereum token transfers. XXXX. 

Once those tokens were sent and in Coinbases possession then XXXXoinbase decided to not return them to me. They are the only owners of those private keys and could return the tokens to me if they chose to, but they choose not to because it would be work for them to manually send the money back. This is over {$1200.00} in value lost to me. 

I'm simply asking them to refund the tokens to the address that they came from : XXXX Their response : " Unfortunately, our key-signing mechanism is not equipped to handle alt-coins or tokens that run on top of digital currencies such as bitcoin or ethereum. The security and integrity of our private keys is of the utmost importance to us. As a result, the specific private keys associated with an address are not available to any single person. Due to the inherent security risks involved with accessing specific private keys, it is not possible for our support team to recover funds sent to a Coinbase wallet in this way. '' This tells me that they haven't given their support staff the ability to help customers retreive their funds and instead choose to keep accidental funds sent to them instead of manually returning the money to it's rightful owner. This should be illegal to keep money that isn't theirs and refuse to help. 

Thank you for your help, XXXX XXXX
I have needed to pay bith XXXX and XXXX student loans through Navient. My payments were morr than what i could afford. I was only working part time. Supposedly Navient signed me up in an income driven repayment plan and that was the calculation. Due to not being able to pay in full my credit was affected. I returned to school to pursue a different career path, should n't my loan payments be stopped until i finish my school?
I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.
I was enrolled in Discover double case back program in XX/XX/XXXX and got email confirmation in XXXX XXXX XXXX. When I confirmed my time period of the double cash program XX/XX/XXXX, the representative said that I was enrolled XX/XX/XXXX even though there was n't any email nor record on my account reflected that information, and I made a lot of purchase using Discover it card in XX/XX/XXXX assuming my program started on the date I received that email confirmation. When I called in to their customer service, the director explained that the email confirmation meant nothing, and the date on that email says " XXXX XXXX as the XXXX billing period '' is not necessary the XXXX but can be XXXX and even XXXX. When I pointed out the confusion of the email, the director made up an email on XXXX XXXX XXXX that he claimed had rewards program information on it. I do n't have that email ever, and he could n't even bother making up the content of the email but saying there was an email. I was so disappointed of how Discover pulling this trick of date on me. I wish I had more clearer information in the first place to avoid this kind of misunderstanding. Discover did a terrible job of letting customer know the exactly date of their rewards program and tracking the use of their Discover deal portal. When it comes to REWARD, Discover makes all the information as vague as possible!! That made-up email was a total disappointment, I will stop using this card and stop referring my friends.
In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. 

They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. 

I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. 

XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. 

Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.
My complaint is against XXXX XXXX XXXX.

They have been ask to place my account with XXXX XXXX  as in dispute. They have refused to do this. They want to here this from XXXX but I feel that I am their customer and they should serve me not the client that the claim is against.
I sent letter to Experian on XXXX which was received on XXXX. Experian responded by saying that my letter was considered " suspicious correspondence '' and that no disputes will be initiated. I will be sending a follow up letter with proof to show that this is a legitimate ask. At this point, it has been XXXX days and nothing has been done yet outdated items remain on my credit report, negatively impacting my credit score.
In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. 

After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. 

The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. 

Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.
XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.
Bank of America says I was 30 days late in  XXXX  2017. Please see attached payment history ( specific to account ending in   XXXX   ) from  XXXX  2017 to present showing on-time monthly payments.
I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.
Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.
In XXXX, XXXX XXXX filed a claim or judgement against me for a debt that was very old. In XXXX I found out about the debt. During that year they also started garnishing my wages without notifying me. The amount I owed was a little over {$6800.00}. I've tried on multiple occasions to reach out to the debt collector to resolve the case but no one ever gets back in touch with me, they never follow up with a letter or email. They completely ghost me. This past Friday, XX/XX/XXXX, they levied my bank account and took over $ XXXX dollars. Since the beginning of this process, they've added on fees and I don't even really know how much money they've actually received because I can't get anyone to follow up with me. I feel like I've been taken advantage of and I don't know what to do.
I am complaining about : " XXXX XXXX XXXXXXXX '' credit card, formerly XXXXXXXX XXXX, now XXXX BANK XXXX want resolved : negative reporting on credit card, never can get access to online account at all. 
On my birthday in XXXX, I got the shock of my life when I found out I was a victim of a credit card breach on XX/XX/XXXX stemming from the XXXX XXXX breach. My credit card was used for XXXX plus at XXXX XXXX and I didn't pay the card that month as I was working with the credit card to dispute this fraudulent charge. I was able to get the charge disputed and dropped because of extensive research, getting photos of who did it thanks to XXXX XXXX loss prevention and a police report, but to this day the account IS REPORTED NEGATIVE because I did not make thXXXX XXXX  payment and missed. I have had this credit card for almost 10 years. They also will not increase my card usage. I did have a problem with a rental car place also in XXXX, and they overcharged my credit card. As a result, this further made me again be reported as negative. I also sent in a payment for XXXX lately and they claimed they did not receive it. They want to charge me a late fee and I have never been late in all the 10 years. My credit card now goes through as " unauthorized '' and I can no longer use the card. I have been contacting them and calling them for years, only to be told the negative is " fake '' and that it is a scam " to get me to pay to get a negative removed off my credit card '' to the credit bureaus. I have had people tell me all sorts of things here. What can I do?
XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you
Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.
I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.
I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.
I originally contacted USAA 23 days ago requesting the reversal of an auto loan payment because a double payment was drafted/made for the XXXX balance due on my auto loan. Instead of reversing the extra payment that was not supposed to be drafted, USAA drafted another one on XXXX XXXX. This made three auto loan payments taken out of of my checking account instead of the one authorized monthly automatic deduction. Because of this, my bank denied the ACH transaction ; understandably so. Since then, USAA has been unable to rectify this situation. I have given USAA full rain over my checking account to fix this. 23 days later, with four payments in one month being withdrawn for my auto loan even though only one was due, and a dozen phone calls to USAA, my auto loan is still being shown as past due. They are saying one more payment is being drafted as well, that makes XXXX auto loan payments in one month and my account is not fixed. The payments USAA is drafting from my checking account are not being reflected on my auto loan. I have been more than patient, but this is an item that could drastically affect my credit and USAA has been unable for 23 days to correct this deficiency. I will not allow the inability of USAA to correct this account and reflect it as current destroy my credit. The keep taking payment after payment out of my checking account when only one was due. Attached is my bank account summary of transactions, and the USAA auto loan summary that does not match the withdrawal history at all, and shows my account not being reflected as current after XXXX payments and 23 days ( with one more " required '' before they update the account.