WillisBack/dataset-financial-user-claim huggingface dataset:
well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ...
XXXX
My initial complaint about the inaccuracies of the late payments posted on my report were not corrected at all. Instead the whole account  ( s  ) for my loans were deleted. If their research showed that the late payments posted are valid or invalid then fine, because that was whtf I asked you all and them to look into. But instead TransUnion completely erased those three student loan accounts that were in my files and showed years of on time payments so of course that now has affected my score. It is very unethical for this company to do so and probably illegal for all I know to erase accounts that were current on my account. The other  two  agencies were able to look into the validatiy of these accounts while not emerssibg them. So why has TransUnion? It seems they intentionally did this jut because I questioned their reporting which I have every right to do as it 's my credit report  ( s  )! There 's no way a credit reporting agency is not aware that erasing three items im currently still paying on would not affect my scores greatly. They intentionally affected my average age of accounts which in turn also lowered m y credit score  significantly and I would like this reversed and corrected immediately! Thank you for your time and assistance in this manner.
At the beginning of XXXX 2016 I received a letter from ACS regarding an error on my student loan payments advising of monies being applied to the principal based on this error. The document outlined that we may incur an additional tax liability due to the error. The good news is that ACS advised they would assist in determining the tax liability and pay for any additional money owed due to the tax liability. 
I have contacted ACS on the following dates and have been provided the same information that a Tax preparer will contact me in XXXX 3 days. During these calls they could not provide any additional information as to why the error has occurred but that the XXXX XXXX would be able to assist. 
XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( spoke with XXXX ) XXXX XXXX ( spoke with XXXX ) I have yet to hear from a tax preparer despite my multiple calls and escalations requests. Our goal is to resolve the situation so that the additional tax liability can be paid ; however, ACS is not taking the outlined steps to help resolve this matter. 
Thank you for your assistance in resolving our issue with ACS.
I LEASED MY XXXX XXXX FROM CHASE. I BOUGHT OUT MY LEASE AND REFINANCED WITH XXXX. I CLOSED ON MY LOAN ON XX/XX/XXXX AT WHICH TIME THE ODOMETER DISCLOSURE STATEMENT WAS FAXED TO CHASE BY XXXX ALONG WITH ALL OF THE OTHER NECESSARY PAPERWORK. I RECEIVED 3 REQUESTS FOR YET ANOTHER ODOMETER STATEMENT XX/XX/XXXX. I HAD XXXX FAX CHASE YET ANOTHER ODOMETER STATEMENT ON XX/XX/XXXX. ( CONFIRMATION ENCLOSED ) I CALLED CHASE TO MAKE SURE THEY RECEIVED THE ODOMETER STATEMENT. THEY SAID THEY DID AND THAT I COULD EXPECT TO RECEIVE THE TITLE TO MY VEHICLE THE WEEK OF XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED MY TITLE. CHASE HAS MY MONEY, XXXX HAS MY LOAN AND I HAVE NOTHING. CHASES REPRESENTATIVE IS VERY DIFFICULT TO REACH. SHE STATES HER EXTENSION IS XXXX, THERE IS NO SUCH EXTENTION. I WENT TO THE XXXX, THURSDAY, XX/XX/XXXX. THEY LOOKED IT UP AND TO DATE CHASE HAS NOT RELEASED THEIR LIEN.
I purchased a computer through Conn 's utilizing Conn 's credit. I purchased on a Saturday and delivery of the device was made the following Tuesday. I opened up the device and called service because the device would n't connect to the Internet. They determined it was bad and sent me to the store for an exchange. I get home with my new device, and again wo n't connect to the Internet. This time I do n't call service, I just take it to the store. The store wo n't exchange or give me money back b/c we are outside their policy window. I go home and call service, service said to take it back to the store and get a new different computer. I get to the store and they ca n't find where service said that and make me send the computer off for fixing. I ca n't do my work for almost a month. The computer has n't worked at all from day one, and they wo n't give me my money back or a new computer bc I 'm outside their window, but it has n't worked since day 1!!!
XXXX XXXX XXXX XXXX continues to report to the three major credit bureaus that I have an active and open mortgage account with them. This account was closed approximately a year ago. I reached out to XXXX XXXX XXXX at XXXX and was told that my request was sent to the XXXX XXXX department. He could not give me an ETA as to when they would follow-up with me. I spoke with him twice and sent two follow-up emails, again to no avail with an expect ETA or direct phone number for someone who could help me. 

Someone by the name of XXXX called me on XX/XX/28 and told me that I would have to dispute this through the credit bureaus and then he could look into it. He said that he sees that my account is closed but had no interest in seeing proof that this was last reported to the credit bureaus in mid XXXX. 
Why am I supposed to dispute it when XXXX XXXX XXXX XXXX is the one reporting this every month?!
On XX/XX/XXXX I noticed that {$500.00} was deposited into my checking account on XX/XX/XXXX. I did some further investigation and I found out the name of the company was Leap Credit. I've never heard of this company or have I borrowed money from this company. As of today date which is XX/XX/XXXX, they deducted {$110.00} on XX/XX/XXXX from my checking account, XX/XX/XXXX they deducted {$110.00} from my checking account and on XXXX they deducted {$110.00} from my checking account. I got my first email from them on XX/XX/XXXX that states that they are thankful for me taking the loan out and that they are letting me know that my overall cost of the loan has been reduced. On XX/XX/XXXX they sent a certified letter of a flyer about loan information that I might need to know. My question is how did they get my banking information? Before I took my vacation at the end of XX/XX/XXXX I had to go to the bank to tell them that I was going out the state so I could use my debit card in other states. I don't understand how a company can just put money in my account and then take out money without my authorization or knowledge of the transactions.
I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
I have received phone calls from XXXX Wednesday XX/XX/XXXX, Friday XX/XX/XXXX and Tuesday XX/XX/XXXX. I answered on Tuesday XX/XX/XXXX at XXXX and the person I spoke with asked to speak with XXXX XXXX and I asked who was calling. He said I needed to verify my identity before he could tell me why he was calling but he was XXXX XXXX from ( inaudible ) company. I repeated that without knowing who I was speaking with I would not verify my identity and he asked me to tell him my adress and then my birthday and then my last four digits of my social security number. I refused and repeated that I was not confirming any personal information without knowing who I was speaking to. He became angry and said that they had sent repeated letter, which I stated that I did not receive. He talked over me to say he would not be wasting any more paper to send me letters that I would ignore and that I would talk to him once it affected me. This I took to be a threat over whatever debt he was claiming that I have. It was very upsetting and I was shocked to have any business speak to me and yell at me this way. I have never had a debt in collections and do not have outstanding debts that I am aware of. This company should not be allowed to call and threaten people this way.
Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.
Chase is not responding to my request. 
Chase bank continues to mis calculate my Escrow and I believe they are mis applying it to someone else account. every year for 3 years they have increased my escrow and its not because of an increase in insurance or taxes. it has been all about a shortage. 
They have not responded to my request for a detailed outlined as to when my account was first miscalculated and why.
Numerous letters sent to Equifax regarding unauthorized inquires reporting on Credit report. Letters sent starting  XXXX   XXXX  with last letter being sent  XXXX   XXXX , also Fraud alert has been placed on credit report.
I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. I also have no knowledge how they are claiming i owe any money. I have never been to the hospital they claim i owe.
I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.
All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down. 
My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX. 
The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.
I received a unsolicited loan offer in the mail. I immediately opened it because it looked like something form the government and I was alarmed. After reviewing the letter, it took me several minutes to figure out who it was from. Secondly, there is no term. Thirdly, it says I am entitled to an escrow refund, but if they refund it to me and start a new escrow account wont they be essentially financing that for how many years the term is? This is very deceptive marketing and these people should be looked in to in XXXX Florida. Finally, my mortgage company is n't XXXX XXXX.
Capital One mailed me an acceleration letter stating that I fail to pay my note. I pay XXXX every month on the XXXX of every month because that is all I can afford to pay since my company check out checks. I called Capital One on XXXX XXXX explaining the situation and to see if I could get a lower note every month until I was able to pay the full XXXX a month. I explained that I was looking to either refinance my loan for a smaller amount or at least get a little time until my pay raise in XXXX 2016.
On XX/XX/XXXX, I pulled my credit report and noticed that Midwest Service Bureau is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$400.00}. Please note that I have never entered into a contract with Midwest Service Bureau. In addtion, pursuant to Kansas Statutes,  more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Midwest Service Bureau indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.
1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.
I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.
I have requested an investigation be completed by XXXX, Equifax, and XXXX to request the data furnisher of my student loans, XXXX XXXX report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by MY FICO. I found the following errors : The XXXX and Equifax payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in February 180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX went into my report on XX/XX/XXXX again on XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX again XX/XX/XXXX. XXXX XXXX XX/XX/XXXX again on XX/XX/XXXX. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. XXXX XXXX gave me three fico scores in XX/XX/XXXX. XXXX XXXX, Equifax XXXX and XXXX  XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, Equifax XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.