WillisBack/dataset-financial-user-claim huggingface dataset:
Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on forward.
For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.
My old mortgage company sold the loan to a new company they included charges for things legal fees and inspections that I never agreed to pay for in mediation. Now I 'm being hounded and my mortgage has gone back up
I followed a link online advertising open a Wells Fargo Everyday Checking account by XX/XX/XXXX and make 10 transactions OR have {$500.00} in direct deposit to your new checking account in your within your first 60 days and receive a {$250.00} incentive. I opened my account on XX/XX/XXXX and completed my transactions on XX/XX/XXXX. I emailed Wells Fargo through my new checking account on XX/XX/XXXX to make sure I followed all the required steps to ensure I 'd get my incentive and spoke with XXXX XXXX who said I just needed to fill out a XXXX, which she sent me in a pre-addressed envelope, and wait 45 days. I filled it out and mailed it back the following week. I waited aprox. 45 days and checked my account again and saw I had n't received the incentive so I gave Wells Fargo a call on XX/XX/XXXX. I ended up speaking with 3 different people because the first time I was n't speaking to the write person and the second time I was transferred to the wrong person. Finally with the 3rd guy I explained my situation and was asking to make sure that I had done all the right steps to ensure I would get my incentive. He then laughed at me and told me I was n't getting the money because I missed the deadline. He informed me the deadline to open an account was XX/XX/XXXX and I opened my account on XX/XX/XXXX. I informed him that I actually opened my account on XX/XX/XXXX and I had an email from Wells Fargo saying my account was eligible for the incentive if I did the required steps, I had emails from XXXX XXXX saying I just had to fill out the XXXX, and I had a screen shot of the page I clicked on to apply with the deadline. He offered to file for it to be reviewed but laughed and said they were n't going to pay me. I thanked him for his time but told him I 'd email Wells Fargo again and resolve the issue. That same day, XX/XX/XXXX, I emailed Wells Fargo informing them of the above and wanted to know when I would get my incentive that was advertised. They wrote back that they would pursue the issue further and I have n't heard back.
I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.
I am a Colorado member of Chase bank and hold XXXX accounts with them : XXXX checking, XXXX savings, XXXX mortgage, XXXX auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other XXXX accounts since I do n't have a debit card directly linked to them. I recently noticed that a {$20.00} bank fee has been taking from my savings account monthly since XXXX 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!
I assert that I am the owner of all data in this complaint, and then the owner of all information contained in this complaiant. 

There is no Credit Repair company, or entity involved in this complaint. Attempting to avoid responding to this issue outside of this government instrument, deviates from my rights to this process. 

Equifax is allowing Debt Collection companies, to insert themselves into Consumer Reports as if they are the Original Creditor. 

These tradelines are routinely inserted into reports as " Other '' accounts/tradelines, when they know that this can never be true. 

I have such a insertion, and so do hundreds of thousands of consumers with XXXX funding collection accounts. This issue has been brought to the attention of XXXX and Equifax - and been dismissed. 

A screen shot of the account is attached. 

1. According to the XXXX XXXX File specs for use ONLY by debt collectors - Debt collectors self identify themselves in their files to EQ - and XXXX XXXX did not. 
2. XXXX XXXX has an " OPEN '' type of tradeline, when they can not 3. The Date Opened is NOT ACCURATE, as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required, and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY, then is also NOT correct because no CREDIT GRANTOR account was ever established with thm, nor - is there any contract 6. The CREDITOR CLASSIFICATION, is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true, because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS, is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE, AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate, according to METRO XXXX 11. The Months reviewed, is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT, is also not allowed to have a pay history This account is wholly inaccurate, invalid and borders on fraud. 

Additionally, I believe this account is invalid because any original creditor that I had a balance with years ago, was included in my bankruptcy. 

Please validate this tradeline, its owners details - for your systems accuracy - and then DELETE this erroneous, incomplete and inaccurate account.
My bank, TD Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. 

I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. 

This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. 

Any help you can give me will be appreciated.
Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too
I received a message from our receptionist at work on XX/XX/XXXX to call XXXX XXXX ( XXXX XXXX XXXX ) at XXXX. So, I called her that same day on my lunch break and made arrangements to pay on my student loan and advised them NOT to call my place of employment anymore, she then verified my cell #. Once we got off the phone, I was emailed that same day the agreement papers and for me to sign and return, which I did that same day and emailed them back. On XX/XX/XXXX, I received another message from my receptionist at work with another message to call XXXX ( XXXX XXXX XXXX ) at XXXX. I called them back and spoke with a rep named XXXX XXXX ( XXXX XXXX XXXX ) and told him, that I specifically told XXXX for your company NOT to call my place of employment. XXXX, then asked what date did you make this request? I explained to him that I have only spoken to your company one time ( XX/XX/XXXX ) other than me calling back today, and I advised no more calls to my place of employment. I advised him that they were now violating the FDCPA laws and I was now going to file a complaint. He said he understands and continued on with the reason for them calling me again, payment process did not go through. Once, he resubmitted the arrangements again and took my debit card information again. He apologized and told me he doesn't blame me for continuing to pursue to file a complaint. He then thanked me and ended the call.
Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft.
I have a XXXX/XXXX account showing up on my credit as an authorized user since XX/XX/XXXX. My identity was stolen in XX/XX/XXXX taxes and all. I have submitted this information to XXXX  over 70+ days ago to remove this erroneous derogatory account from my credit file. They refuse to remove it and this is preventing me from getting the things I need done. I am trying to buy a home and I don't want this derogatory falsely reported account to keep haunting me. I shouldn't have to pay for identity theft in 6 years later. I want the account removed immediately.
I quit my pt job with XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. Hired by XXXX, XXXX XXXX in XXXX. I never asked for a paycheck card. The company did this when I wanted to use my own account. I was told it charges alot of fees. Anyway when I quit last month, I asked where was my money. It was on XXXX XXXX XXXX XXXX XXXX XXXX. I got the money but in checking my balanced it said if you dont cancel fees would continue to be charged. So with XXXX left on my card, I called XXXX XXXX to ask XXXX and XXXX to cancel my card. They said they could not. Both sound foreign or something not right. 

My card number XXXX XXXX XXXX XXXX 3 digits on back XXXX XXXX email XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX Why would XXXX provide these fraudulent cards to employees and tell you that you might not get all your money off the card. Online people have lost whole paychecks. so I'm lucky I got my money but why do they need to keep my card active. I dont work for XXXX anymore please advise. Thank you.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 120 days past due as of XX/XX/2014 90 days past due as of XX/XX/2014 60 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.
I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office.
Navient and XXXX XXXX loan companies. I took out loans for my XXXX  and XXXX. I was told by the University that they have 98 % hiring rate for new grads. * years went by and I still could not find a job. I finally got one now. During those eight years I had to take jobs that had nothing to do with my education. I incurred huge interest on my loans. I started with XXXX in debt and now it is at {$200000.00}. There is absolutely no way I can repay this back with huge interest rate. These companies pushing me into forbearance almost encouraging me every time I call to ask a question.
my escrow payment when up last year on the amount of {$1900.00} no one has been able to explain why and now my mortgage went up from XX/XX/XXXX and XX/XX/XXXX in the amount of {$30.00} and they are not giving me a clear explanation either. I believe that Nation Star Mortgage books
Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
capital one closed all 7 accounts and will not allow us to redeem our points that we have accumulated to purchase a new XXXX XXXX product
The above listed descriptions of the behavior of the agency are not exactly descriptive of what they do, but I had to mark one option in order to be able to expand on the subject. Let me explain. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. The mortgage bank purposely lost the mountains of documents they requested and in the process protracted the home loan modification period to well over two years. Two years of suffering, not knowing whether the next month we would still be living in the same home. And this is after cooperating with the bank and yielding to their every whim. Regardless, I am so grateful of having achieved this and of my clawing back from a situation that forced others not as fortunate to fall. Tragically some of my debts went without recourse and I lamentably could not pay them back. This credit card debt is one of them. The reason I stated the best description of the issue as being communication tactics is as follows. I noticed that collection letters this company has sent to me appear to be from supposedly the same debt collection company. What I found is that each letter comes from a different entity that is at least outwardly, similarly labeled but importantly different in their content. If you are not careful, you could fall for XXXX of the XXXX statements and options they present to the you, the debtor. For example on one form, they state that because of the age of the debt, they wo n't sue me. On another letter, that is still under the same name overall but a different direct entity, they make no mention of not suing. In fact in this version of the letter they threaten to pursue a judgement. So which is it? Either they wo n't sue me or they will depending on the very vague statement that depends on which form you receive and at which point in the timeline? These are very disturbing tactics that quiet frankly took me an inordinately long time of analysis to catch. They do stress however that they will continue to report it to the credit reporting agency if I do n't pay the balance that I owe plus the interest accrued. I have enclosed images of what they send me routinely in the mail so the reader can compare both communications ; in my opinion very deceitful and dishonest. I can not help but wonder how many unsuspecting people have been the victim of this form of manipulation of the written media. This must be stopped!! These are legal firms with bar-authorized attorney carrying out this form of misrepresentation. Your group could do a great deal to correct this
None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.
I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.
I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.
I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.
I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.