WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was charged by XXXX nearly {$700.00} for services I did not use. Thru multiple telephone conversations XXXX finally admitted that the bill might have been improperly charged. Being that no debt appeared on my credit report I assumed the matter was cleared. Now I find nine years later an attorney in XXXX, Stillman Law Office, has garnished my State income tax return. The most incredible part is this situation is the " debt '' is outside the statute of limitations. Even if it were legitimate The Michigan Judicature Act of XX/XX/XXXX clearly states that this is an attempt to collect a bill that was charged to me nine years ago. Would you please help me with this?
Looking to complete a simple HARP refi with current lender, Nationstar now XXXX XXXX. I have not received the " Dinner and a Movie gift card '' from promotion flier they mailed out on many occasions. Completed application almost two months ago and have yet to see my credit score disclosure or the rate options that were discussed. Originally said the gift card would go out three days after application, so false and misleading advertising. Have spoke to them on multiple occasions and they just keep saying next week I will get gift card. It would be good to get credit score info so I can start looking for other options with out each lender pulling credit. Left messages no return call. Said they would beat other lenders rates but wont call me back to discuss. Other bad service type of things but these are my main issues for now. Any help would be appreciated.,
My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.
I have opted out of overdraft protection to avoid account being charged the {$35.00} fee. On XX/XX/XXXX an item " XXXX '' was charged {$14.00} over drew the account and on the same day a {$35.00} fee was charged. The next day, XX/XX/XXXX I deposited {$15.00} to cover the charge, however because they had charged the {$35.00} a second charge of {$9.00} " XXXX XXXX '' went through and bounced due to the first {$35.00} fee being charged. So as a result I have two {$35.00} charges occuring due to a chain reaction, one causing the other. 
I also was not provided sufficient time to correct the deficiency, nor did the " Opt Out '' work. These charges are supposed to not go through, they were set up with my Debit Card information, no other information was used to set these charges up so when charges come across and there is insufficient funds they are supposed to be refused. 
Bank of America credited me the second overdraft fee of {$35.00} but refused to credit the first.
NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!
I disputed a collection with XXXX  several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.
Penn Credit XXXX keeps calling and leaves no message, I called them back and tried to tell them it 's been handled by my medical insurance and they just keep talking over me. I tried to tell them to stop calling and they talk over me. One person hung up on me and another named XXXX XXXX left me on hold claiming to get a supervisor. They just keep talking not allowing me to tell them to stop calling. They do n't care what you say they just keep talking over you.
My Student loans are being serviced by Fedloan Servicing. This company does not seem to employ anyone with financial knowledge. They can not furnish me with any documentation showing what my deferred interest was and how it was calculated. How is it that they can claim I owed them X but not be able to provide indisputable evidence? They also can not explain how P & I payments are handled on simple interest calculation. They do not allow for principal reduction payments as they state as soon as they receive your loan payment interest is being charged on a per diam basis, which is correct ; However, what is not correct is the timing of when they apply your payments. I believe they are deliberately crediting payments late. My monthly payment is {$310.00} a month and I pay {$360.00} a month. The payment is made electronically every day so its ACH which means it should be applied within 2 days of the ACH. The extra {$50.00} should go toward principal and the interest should be calculated on the remaining balance and thus my monthly payment should drop slightly. Each time they receive the additional {$50.00} it should satisfy additional principal as the interest owed each month should be slightly less than the month before. This is not happening and no one at XXXX XXXX can explain why. How is it that every bank has to be completely transparent or face federal scrutiny but this company seems to be above the law. They are not transparent and when a company is not transparent it means they are up to something and this company is up to something and they need to be investigated.
XXXX has been non-compliant with removing the unverified account KLS FINANCIAL SERVICES XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KLS FINANCIAL SERVICES as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I got into contact with XXXX XXXX later changed her name to XXXX XXXX on XXXX. She said she would transfer me {$130.00} to my Bank of America checkin account so i gave her my account number. But accidentally she sent {$1300.00} and asked me to send the difference back which was {$1100.00}. But later i realized the money she had sent me was not done by her but it was actually a temporary credit given to me by the bank. I went to bank but the manager said that don't worry about it the bank has given you temporary credit.She also said just the account number will not harm my account. But i wasn't satisfied with her response so i called the customer service to ask them what temporary credit was and why was there a claim number on the {$1300.00} amount because i didn't file any claim. They were of least help to me. Now i have got a letter from the bank stating that they will withdraw {$1300.00} back. I don't know how that person called on my behalf and asked for the temporary credit without having my credentials. I don't understand this loophole of the bank. They are asking to pay {$1300.00} which i didn't ask for. I really don't understand what's happening here. The customer service won't listen to my problem as according to them they sent a One Time Password to registered number to authenticate that person but they won't tell me the what number it was. But i am sure the only number that is linked to my account is my number and I didn't get any One Time Password on my number. Bank of America is not reliable at all. This is the case of identity theft as well or maybe bank didn't authorize the other person accurately and gave the temporary credit without any serious authentication.
Synchrony bank - we purchased a couch and were offered 0 interest for 12 months on financing. After signing up for this, one month later we found out it was a credit card. We made payments and after 12 months we owed {$300.00}. Next thing we know we were backcharged interest and only realized it 90 days after the charge, so we were charged an additional {$700.00}. We were never told this was deferred financing and we thought it was normal financing, and that we would be charged interest on the balance owed and not tr full purchase. I contacted the bank several times and they would not assist in refunding this back interest. I paid the whole amount off after dealing with them for 3 days and getting nowhere. The issue here is they allow untrained people to talk you into these cards and you are never told that you will be back charges interest. In my case I would have just paid the rest of the amount off and avoided the extra {$700.00} charge had I been aware of this.
Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified
On XX/XX/XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XX/XX/XXXX at XXXX XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for Capital One credit card? I currently have XXXX credit cards from Capital one with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for Capital one and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XX/XX/XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if Capital one had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of Capital one kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the first of the month and have bills to pay and now no money to pay them. 

XXXX XXXX
Experience is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way
I filed a Chapter XXXX bankruptcy on XXXX XXXX, XXXX. I then withdrew the filing on XXXX XXXX, XXXX without prejudice, this was based on legal advise and absolutely no creditors were affected due to XXXX liabilities filed against any creditors. The court on XXXX XXXX, XXXX then dismissed/closed my filing and recorded as such. Now that 7 years have since lapsed since the filing, I was fully expecting this negatives/adverse action to be removed/purged from my credit report as of XXXX XXXX, XXXX. Upon speaking with a supervisor at Equifax , I was told that because I failed to go through with the bankruptcy and have a court appointed trustee oversee my filing, and because the record does not use the word, " discharged '' in the court recording, they refused to remove the negative/adverse action for up to 10 years, not 7 years. I am being penalized for not XXXX my creditors and making full payment to all creditors at the time of withdrawing the bankruptcy complaint, which is totally ridiculous to think that just because I initially filed for bankruptcy, but withdrew it, and made good on my debts, now I have a additional 3 years to be penalized by a credit reporting agency. Therefore I am seeking your assistance in resolving this matter favorably in my case of total dissatisfaction with the credit agencies.
have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
I have contacted Equifax four times since XXXX about incorrectly reported a delinquent account. They refuse to remove it off my credit report. They have no even replied to me once. Here is the issue and the last letter I sent to them : " I am writing to dispute an inaccurate item that continues to be illegally reported as an open collection on my Equifax report. I have reported this before and yet it remains as an open collection with a note added that its included in a bankruptcy and is at a {$0.00} balance so why is it still reporting as an open collection and a derogatory mark?? It is illegal for you to report this as an open collection/derogatory account when it was illegally reported in the first place. Equifax is the only credit bureau reporting this as an open collection and refusing to fix this. The debt is from XXXX XXXX XXXX XXXX  which is a collection agency. It originates from XXXX XXXX  This debt was discharged in a Chapter XXXX Bankruptcy in XXXX of 2015. After being informed it was included in a Bankruptcy and discharged, XXXX XXXX illegally sent it to a collection agencyXXXX XXXX XXXX. It has reported several times since then and continues to appear as a negative mark on my Equifax report. I got in touch with the collection agency XXXX XXXX XXXX XXXX as did my attorney to inform them this was violating federal law. They have updated their records and informed all XXXX credit bureaus that is now CLOSED with a XXXX balance and is no longer an open collection. Because it was put into collection AFTER it was discharged it is illegal to report as a collection or negative mark. All credit bureaus except Equifax have updated my credit report and removed this completely. You are still reporting this inaccurately and illegally as an open collection. This is my final attempt to get you to correct this. If it is not corrected within the required 30 days, I will contact the Consumer Financial Protection Bureau and seek legal representation and a judgment against Equifax for false and illegal credit reporting according to the Fair Credit Reporting Act which is in turn lower my credit score and costing me money. I know that XXXX XXXX and Equifax have had multimillion dollar judgments against them in recent years for such illegal activities with credit reporting. I look forward to you resolving this appropriately in a timely manner and updating my report and my score. Thank you for your time and attention. I have included two forms of identification off of your acceptable ID list to prove my identity. I have also included the Bankruptcy judgment paperwork as well as the list of creditors whose debts were discharged in the Bankruptcy. '' They never responded to this or the three letters before it.
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of XXXX. 
I am also a victim of the XXXX  BREACH.
Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
SunTrust Failure to properly close personal checking account resulting in bank fees {$630.00} 1. Started approx XX/XX/XXXX with unauthorized charges on my personal checking account ... I filed written statement of unauthorized debit with my branch and all funds were returned to my account. 
2. These unauthorized charges continued until I closed the account on XX/XX/XXXX. 
3. The Suntrust rep promised me that the account was closed, after I opened a new account with Suntrust ( on XX/XX/XXXX acc't had XXXX balance ). 
4. More unauthorized charges continued on old account until someone at work recommended I go to another branch. The first thing the rep at the other SunTrust branch did was block the old account on XX/XX/XXXX. 
5. On XX/XX/XXXX Suntrust debited my new account {$770.00} stating I owe the bank for fees from the closed account. 
6. I contacted the Suntrust Client Advocacy Resolution Dept and after one month the full amount {$770.00} was returned to my new account. I thought this matter was finished. 
7. On XX/XX/XXXX Suntrust debited my account for {$630.00} claimed these were fees not unauthorized charges ( Right to Offset ) On XX/XX/XXXX I returned to the Suntrust branch and spoke with branch manager and was told she would be back in touch. I never heard from she again. 
8. I tried contacting the Suntrust Client Advocacy Resolution Dept again, but until today no one has returned my calls.

9. I am a military ret and need the money to finish the XXXX XXXX I had started.