WillisBack/dataset-financial-user-claim huggingface dataset:
1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time. 

2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX. 

3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well. 

4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems. 

5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 

6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 

7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 

8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 

9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 

10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 

11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.
Over the last few years I have neen disputing the 24 musical bills from the State Collection Service and they are all  duplicate debts with late fees/interest tacked on. They keep adding 1,2, {$3.00} dollars and reporting them as a new debt to the credit bureau. I have seen over {$100.00} in just 4 weeks being added on and reported. They are causing me emotional and financial harm at this point. I never signed a contacted with this company. The attorney I spoke with said they are not allowed to charge late fees or interest to medical bills. I have not even recieved a notice in regards to the debt or the debt increase, I get notified by XXXX XXXX every time it increases.
Received mail flyer showing XXXX bonus miles to sign up for Mileage Plus XXXX credit card from Chase Manhatten Bank and when your go to the website the offer is XXXX bonus miles. False advertising.
In XXXX 2016, I attempted to reach out to Professional Credit Services located in XXXX, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, the collection is for the amount of {$540.00} originally and now it is stating it is {$770.00}. Firstly, I attempted to go on all credit reporting agencies sites ( XXXX, XXXX and XXXX ) and it does not allow me to dispute because the collections agency Professional Credit Services recently updated their commentary on the account. The commentary on the account is not right! It says that the consumer disputed and the account is FCRA compliant. How is the account FCRA compliant if I never received any documents about this account and any evidence that the fees charged are valid. Under FCRA it states, '' report results to the consumer, generally within 30 days. '' It is more than 30 days at this point. There is no paperwork to denote the accuracy. I am requesting that the collections be removed from all bureaus due to noncompliance by this collections agency to properly send information pertaining to this account and adding on additional fees that were never identified or properly explained.
On XX/XX/18 XXXX called my Uncle to discuss my debit. Not sure how they got his phone number, but I never gave it to them.
XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.
Portfolio marked my last complaint as a duplicate which it was not and if they mark this the same it It's still a printable complaint which can not be removed from the database.Portfolio is  sueing me for an account which is the result of identity theft.they say because there were payments made on the account that that's their proof and I will be liable for all attorney fees.this is a violation of my identity theft laws to which jhportfolio is in violation of the rules.i never had this card this is identity theft.the thief took out multiple cards and payed on them and then defaulted.other companies have removed thier fraudulent accounts.portfolio says my counterclaim is made out of retaliation, which it is not.it is to make them accountable for thier harrassment of a fraud victim and I will prove this.
On XX/XX/2018 I applied for a loan at my credit union. I was told my credit has been frozen. When asked to verify questions I was told that my answers failed. I called a second time and was told I failed again. Equifax is not even operating in the United States. I can not understand what was a failure in my answers and the operators are in the XXXX! Not even in the United States. I answered all questions and still failed to unlock my credit. I am very upset and dissatisfied with this process. This is not acceptable.
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX  to no avail, even though they know this loan originated in XXXX and was due to drop off in XX/XX/XXXXthey are not dropping the loan
XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR
On Saturday XX/XX/2018, I received post card stating XXXX, XXXX and Experian were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
I contacted LVNV Funding LLC in writing on a letter dated XXXX/XXXX/XXXX that was delivered via certified mail on XXXX/XXXX/XXXX. I requested validation of a debt in the amount of {$410.00} that LVNV Funding LLC is currently reporting to all three major credit bureaus ( XXXX, XXXX, & XXXX ), as per my right and according to the FDCPA section XXXX. Validation of debts. I have not received a response from LVNV Funding as  of today XXXX/XXXX/XXXX. Per the FDCPA XXXX XXXX. Validation of debts and as stated in my letter, LVNV Funding LLC has 30 days to respond to my request or this debt must be removed from my credit file. I have attached a copy of my letter and proof of mailing and delivery. LVNV Funding LLC has failed to follow the FDCPA Section XXXX. Validation of debts and I am now demanding that this debt be removed from my credit.
My car was repossessed on XX/XX/2018 by Chase Auto Finance. I I called the bank and offered to redeem the loan and get my car back but was told to call back after 24 hours.

I did call back after 24 hours and every 24 hours for the next ten days before I was provided a redemption amount and methods of payment. I was also asked to pay {$15.00} per day storage fees for the ten days the car had been with the repo company.

These ten days of storage came about through no fault of mine but the bank still insisted I was liable for the storage fees. I offered to pay off on the same day the car was repossessed but the bank took 10 days to allow for redemption and then asked me to pay {$150.00} storage fees for those 10 days. 

This is exploitative and sounds like a scheme between the bank and the repo company to rip off customers.
Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.
I am very concern as I was checking my  credit score and  noticed there is a capital  one cr edit card with a limit of {$500.00} under my name. I have no credit card of any kind. This card is not mines but it is under my information. What do I do to correct this. Someone stoled my information and took out a credit card under my name but I have no idea who.
I have already attempted to have XXXX XXXX XXXX XXXX XXXX ( " MCM  '' ) issue a statement to the three credit reporting agencies regarding a debt it is trying to collect in my name for an address in a state that I have never resided in. I believe that the debt MCM is trying to collect is based on inaccurate and/or unverifiable information, and as such a statement should be issued to the three credit reporting agencies outlining the same. 

On XX/XX/XXXX, I received a collection notice from MCM   instructing me that I needed to pay a debt owed to MCM in the amount of {$2700.00}. Since then I have been sending to MCM correspondence disputing the veracity and credibility of the debt held by MCM. 

On XX/XX/XXXX, I was informed by MCM that after it conducted an investigation into my claim I would be held liable for debt payment to MCM. Even though I can provide evidence to refute any findings of an internal MCM investigation I am still being harassed by MCM on the basis of a debt that is based on inaccurate and/or unverifiable information. 

I feel as though I am being unfairly harassed by MCM.
XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX  and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
I am one of the unfortunate people who was affected by the recent Equifax hack. Equifax confirmed my credit/personal information was compromised. ( XXXX/XXXX/17 ) I am deeply disturbed by this lack of security and will take any and all steps possible to hold this company responsible as well as to protect myself in the future.
XXXX XXXX convinced me to consolidate my loans with them back on XX/XX/XXXX. XXXX XXXX ensured me that my payments were going to count towards the Public Service Loan Forgiveness Program. I did not know any better. I called a few times to ensure that my repayment plan would count toward this Loan forgiveness program and was assured that each monthly payment would count. I kept making payments to them until the Fall of XX/XX/XXXX. I went to the XXXX website and transferred my loans with them to enroll in a qualifying Income Driven Plan. XXXX XXXX was not honest with me and made me think that my payments with them were qualifying towards the Loan Forgiveness program. XXXX told me that none of the payments I made with XXXX XXXX qualify towards the Loan Forgiveness program. Either XXXX XXXX or XXXX lied to me. This is injustice. I am serving my country by working on counter-terrorism initiatives at a government agency and these loan companies are taking advantage of former students like me.
I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.
I was sold a vehicle XXXX/XXXX/XXXX. A vague description was given to me stating that the vehicle I purchased " is a used vehicle that has had prior structural body repair work, indicting that the vehicle has previously been in an accident ''. I went to trade my vehicle in at another dealership on Saturday XXXX/XXXX/XXXX and they pulled the XXXX which showed that the vehicle had been found to be a Total Loss Vehicle as of XXXX/XXXX/XXXX. I was never given the XXXX, offered to see it & or was anything divulged that this had been a Total Loss Vehicle. I called the dealership, XXXX XXXX XXXX XXXX, after I returned home & was told by a man, XXXX ( who later identified himself as a Partial Owner of the dealership ) that it was " Not a big deal to have a Salvaged title ''. I told him it was a problem as I was never informed of this matter and Never would have purchased the vehicle knowing it had a been deemed a Total Loss/Salvage vehicle. I explained that this is/was fraudulent not to divulge this information prior to the sale of the vehicle. I requested him to pay my loan in full at this point. XXXX asked me to find out what the dealership I was trying to do the " trade in would take from the appraisal prior to looking at the carfax and he would purchase the unit as a trade in from me. I told him I would not do a trade in with his dealership and he needs to pay my loan in full period. I told him I do not even know how " XXXX XXXX '' did the original financing on this loan with a Total Loss/Salvage title. I have since done a refinance on the loan with Capital One and I have sent them an email notifying them what is going on as of XXXX/XXXX/XXXX along with requesting a copy of my title be sent to me also. I am looking for matter to be resolved immediately. I have sent him XXXX emails and with the information he requested from me but have not heard back from him still. When I purchased my this vehicle the dealership was very rushed. After I had been the unit I had to take the unit into XXXX XXXX to have it looked at for the Battery light staying on. I then found out that they never put a battery holder back in the car ( as the vehicle per XXXX had front impact damage, vehicle towed and airbag deployed ) which caused the wire to move and break the censor which would cost over {$1000.00} to fix due to how they have to do it. The car has had a clucking noise coming from the left front side also as it seems to be stemming from the original frame damage it had originally when it was deemed a total loss. I was completely shocked when I found this news out and just want the XXXX XXXX XXXX XXXX to do the proper thing and pay the loan off and they have the car back.
Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.
I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. 
I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in XXXX 2016 and 4 days past due XXXX 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter XXXX when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.
I have received a XXXX for XX/XX/XXXX from discover Bank I do not recall getting any mail from Discover Bank, that dates back to XXXX, statute of limitation is 5 years in the state of Florida, is that legal?
Equifax reports massive hack which includes the " loss '' of my personal data to who knows who or for what purpose. I have had to freeze all my credit due to this which has made my car buying experience impossible, as you can imagine.
I will not sign up with their monitoring service as I do not trust this company at all. They reported on me for years. 
Who is going to take care of the report on them for thus egregious and appalling crime. 
Thank you, XXXX XXXX
I have an active extended feud alert and the inquiries keep appearing on my file. Please remove immediately as I've locked my file Experian : XXXX XX/XX/19 XXXX/XXXX  XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX  XX/XX/19 XXXX XX/XX/19
I called Equifax in regards to a dispute the agency placed on the XXXX account and asked for the dispute to be removed. One agent told me it would be updated right away, his supervisor told me it would be removed within 24 hours, another agent told me 72 hours, and the last representative told me a request was never even input, and provided me the above case information. When I talked to another representative again, she said there was nothing pending removal.
XXXX, XXXX has been servicing my Perkins Loan from XXXX College since it entered repayment. They recently have switched website platforms and for nearly 3-weeks they have not processed a loan payment that I made. The loan payment has left my checking account and they keep blaming the error on technical trouble all while the loan is accruing interest on the incorrect amount. They are literally stealing my money and blaming it on technical delays. It is unacceptable.
I have sent Equifax 2 notarized disputes regarding XXXX bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these 2 letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN XXXX that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me. The Credit bureau does not have a contract with the court house nor me to allow them to be reporting fraudulent information