WillisBack/dataset-financial-user-claim huggingface dataset:
The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. 
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. 
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.
I received a letter from this company demanding me to pay them. To my knowledge I have never signed a contract with this company and neither have they provided me with goods or services
According to the Health Insurance Portability and Accountability Act ( HIPAA ) Act of 1996 to protect my privacy and medical records from third parties I have never authorized the company named 'Credit Control Co ' to access ANY of my or families medical records from XXXX Hospital XXXX. I have contacted them for them to prove to me that I authorized them to have access to my families medical records and they sent me bills, dates of service, and personal information that does NOT verify I gave them permission to access. They have broken the HIPAA law regarding privacy.
I had received an unrequested XXXX XXXX Credit Card earlier this year. That was a red flag for me. I applied for a XXXX XXXX Credit Card today and was denied. I tried to request my annual free credit report today. They denied it and said I had requested the report on XXXX XXXX of this year and I did NOT do so. Someone requested the annual report without my knowledge, opened the XXXX XXXX card without my approval and now I ca n't open a simple XXXX XXXX card.
I was under the impression that my student loan was forgiven. I borrowed {$25000.00} in XXXX. After many years, moving from XXXX to XXXX to XXXX I went through many hardships and finally I saw the light at the end of the tunnel when I applied through a document in my work to American Education Services. They then connected me with XXXX XXXX XXXX XXXX for student loan forgiveness and XXXX XXXX in XXXX consolidated my loan she works for XXXX XXXX XXXX, paying {$50.00} a month and stated that in XXXX XXXX my loan will be forgiven. But, in XXXX XXXX XXXX XXXX did not honor it and stated that I have to go back to paying {$340.00} a month. I have contacted XXXX XXXX and after investigating they suggested that I should contact you. Please help!
On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.
I received a call from Convergent/Convergent Outsorcing/XXXX demanding payment of a debt from XXXX. I asked them for more information and they refused unless I would report ( " verify '' ) my current address and phone number. I said that I would not. The woman told me that I was required to. I said No, have a nice day and hung up. 
I have an account with XXXX, so I called them and was told that my account had not been released to collections and that the collection agency was lying.
I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.
I do not owe the PORTFOLIO RECOVERY charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info 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
i have a bankruptcy reporting on my credit report that is not mine! i have disputed this numerous times to no avail. XXXX has already removed this fraudulent information. This belongs to another XXXX XXXX.

Chap XXXX-Discharged ; XXXX XXXX XXXX  IL. XXXX. Reference # XXXX
some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong
It looks like the original creditor was XXXX XXXX. I spoke to XXXX XXXX bank bank in 2017 regarding this account. I had no knowledge of this account that was opened under my SSN and immediately filed a dispute.The results of the dispute came back as i was NOT Liable for this account. One year later, XXXX   XXXX bank forward this account over to a third party collections company XXXX XXXX. I have spoke to this third party company and adivsed them that I was not liable for the account. I then also contacted XXXX   XXXX bank again and they act like they have no knowledge of anything, since the account was forwarded over. There is report on my credit report. That the account was removed initially when it was with XXXX  XXXX bank.
I had Citi XXXX XXXX XXXX for the last few years. I have recently not used my credit card due to frequent travel to abroad. Citi just closed my credit card without notifying me. My credit score dropped almost 100 point. I called them and they told me that they usually do not notify their customers. I was about to get loans and this situation impacted my financial circumstances. 
I know that some of other banks have a policy that usually notify their costumers about any actions they may take. 
I was wondering if this action is legal or illegal.
We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX. 

Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX. 

We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX. 

As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX. 

According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time. 

We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.
When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.
Money sent to : Sent to XXXX XXXXXXXX EUR {$24.00} FeeXXXX EUR {$4.00} TotalXXXX EUR {$29.00} No product delivered. Would like full refund.
In Transunion 's response to my CFPB complaint ( # XXXX ), Transunion claims to send a response to my disputes to an address where I no longer live, dated XX/XX/XXXX. Transunion further claims to have sent a request for verification of my current address XX/XX/XXXX. None of this makes sense in that I included a current utility bill, drivers license, and SSN card in my original dispute dated XX/XX/XXXX ( see enclosed ). This provides fulfillment of Transunion 's requirements to update my demographic info and process my dispute. 

It is odd that all 3 credit bureaus would've for various reasons fail to respond to disputes in concert. Transunion failed to respond after being provided with all the information necessary to process my disputes, in violation of FCRA rules.
XXXX XXXX XXXX repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to The Law Offices of Charles G. McCarthy, Jr. and Associates for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by XXXX XXXX XXXX and Charles G. McCarthy and Associates are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the {$30.00} collection fee was paid. Finally, law office left message on XX/XX/XXXX requesting I call. The call was returned by me on XX/XX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me onXX/XX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address XXXX XXXX XXXX and The Law Offices of Charles G. McCarthy, Jr. and Associates have utilized previously.
On XX/XX/2018, I paid for a wire transfer to another person in Texas by Western Union at XXXX in XXXX XXXX, Texas for {$500.00}. I did this in person at the location hoping to get some funds to my granddaughter 's family - that needed prescriptions, fuel, and groceries through the end of the year. 

After must consternation with the company 's customer service I found out on XX/XX/2018 that the wire wasn't sent, but refunded without notifying me. 

On XX/XX/2018, I had to go again in person to one of their agents to get the amount refunded - still with no explanation, but that WU can not do business with the person. That seems like a classic case of discrimination. 

In my opinion, the WU organization has very, very poor customer service, as well as not performing what I asked them to do. And no explanation of why not.
regional XXXX XXXX  refuses to provide me with a statement of my account so that i can determine what my payoff amount is.
My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.
On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.
On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,