WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a bunch of american express credit card because of an advertisement they were putting all over the internet to get XXXX points if you spend $ XXXX on the card. The platinum card cost {$450.00} a year but being that they offer {$200.00} worth of travel credit I decided it was worth it for me to get the card. So I signed up for XXXX cards and spent the $ XXXX on each card as agreed upon in the offer. When the reward hit my account I used them to book a first class ticket however each time I booked the ticket I was told a few hours later that the ticket was cancelled. long story short american express decided that I was not entitles to the rewards they promised and charged my card a WHOPPING {$22000.00} in order for them to get the points back in my account. In other words. After I used my points american express deducted XXXX points making my account negative a bunch of points. Three weeks after my card was closed they charged my card {$22000.00} to put the points back in my account. <P/>My card was closed and I did n't give them any right to charge my card. If they believe I should have not gotten the bonus they could have argued that. But to charge my card without my consent is FRAUD, conversion and wire fraud!
On many occasions Navy Federal Credit Union has mailed threatening letter to my personal mailing address to contact my leadership and removed funds from my saving and checking account to pay delinquent credit card debit with my personal authorization. They have also locked me out my online banking account also access to my on check and debit card for days and even weeks at times using that to force me to pay delinquent charges on a credit with money I personally did n't have to advocate to that debt at the time. I have been told these are not correct practices of a financial institution by my legal counselor.
I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.
This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!
On    XXXX   XXXX   XXXX    and in   XXXX   XXXX   I notified  Capital One  that the balance they were/are reporting for account is incorrect.      Capital One fil ed a  XXXX  notice with the IRS in  XXXX  declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my  XXXX  tax return.     Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that  Capital One  is reporting to the credit bureaus, and also being over credit limit.     I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also  Capital Ones  various FCRA violations in the handling of this account.     They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.
I bought a 2005 XXXX 2005 last year, And I already had to replace the transmission. And, The finance company That I pay, stated that I still had to make my payments.They only gave me 1 month leeway on my bill, And I still had to pay for the form to get processed. So In still skeptical about this finance company because I 'm finding out they gave me a precomputed interest rate, which means they could of put extra interest on the vehicle.
I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did  not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX   friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.
Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
The reported address on my credit report have a MD address that does not belong to me. I have never lived in MD before. Ever. It 's incorrect and I want it removed.
there was fraudulent charges made on my account my wallet dl credit cards passport where stolen, and used all over the USA, not once did cap one contact me not once did they send me a fraud affidavit not once did they contact the the police department to verify these where fraud and they rebilled my account in total blatant violation of the law and did this without even investagating if they did they would have knew my id and credit cards where stolen, the only time they contact me was today to tell me there rebilling the charges even though they never got my side of the story or send an affidavit or contacted the police
I booked a flight to XXXX with XXXX XXXX using XXXX from XX/XX/2018 XXXXXX/XX/2018. On booking the flight i inputted my passport number which clearly states that I am XXXX. I also paid for a business class which amounted to XXXX dollars and I paid an insurance fee of XXXX dollars for the flight. I paid for a business class because I was going to make money on my trip of approximately 9000 USD and also, because I wanted to be very comfortable as I am very XXXX. 

1 ) XXXX or the airline never told me that I needed any document to use XXXX XXXX even though they saw that I am a XXXX, through my passport information. I booked this flight a week ahead of the trip and they had every opportunity to tell me this so I could book another flight, but they said nothing and made me go ahead with the booking. 

2 ) On XXXX, I request for refundable flight before booking and XXXX XXXX and other flights came up. I chose XXXX XXXX as I did not see any information that I would be needing any document aside for my Passport and XXXX visa to  fly with them as stated on the XXXX site. 

3 ) Upon getting to the airport, When I tried to check in, XXXX XXXX began asking me for documents that they dint tell me I must have to fly with them ( XXXX ). I immediately tried to get one, but I was told i can not have one because I come from XXXX. So they refused boarding me amidst my plea that i had no idea about the XXXX, the opportunity I would be missing and my XXXX status. 

4 ) I called XXXX ( the site i booked from ), who got on the phone with XXXX XXXX Manager pleading with them to put me on the flight or transfer me to another flight where I would not need an XXXX, but they refused. So I immediately told XXXX to cancel and called XXXX XXXX for a refund. Even when they fully knew it was their fault that I was refused boarding, they refused to refund my money back. 

5 ) So I called Wells Fargo and disputed the transaction but they got back to me, claiming that the Airline says I never arrived for the flight and I was the one that booked the flight ( which was not my initial claim ) I suffered a lot that day, not only did I lost a lot of money from not going on the trip, but I also fell very sick because of the XXXX XXXX XXXX put me through and because of my XXXX status Thank you
Let me first say to communicate with ANYONE from Nations Star/Mr Cooper is useless. I continue to submit these complaints only to keep a paper trial going when I see discrepancies that could only come to harm us in the near future. For example, Nations Star/Mr. Cooper by its own response incorrectly ; intentional or unintentional gave conflicting information. The latest communication date XX/XX/2018 reference # XXXX cited I made a payment of {$1300.00}, THIS IS INCORRECT. As stated in our modification our payments are {$1200.00}. This payment should have been for XX/XX/XXXX. I was told it was not doing a follow up call, that the payment was for XX/XX/2018. As I stated, those funds were removed and the payment should have been reverse for {$1200.00} NOT {$1300.00}. Secondly, we were ask to provide information of the caller who called and attempted to force us to accept the modification and noted we did not accept, your records and notes on our account already has this information as a CSR explain she listened to the call and did not hear we did not accept, but did not agree with the terms and the modification was " rebooked '', what happen in this incident where we must provided information? Nations star already has this. This is unacceptable behavior. This company seems to have gotten prior housekeepers, dishwashers, food service and other blue collar workers and turn them into professional customer service reps, this will not work! These are examples of how much this institution lacks any business prowess and its customer service is a joke. 1 ) Modification terms were not explained to us 2 ) we already made trial payments and were told we had to make two more payment to for the modification to be booked 3 ) a mere CSR took upon himself to cancel the modification 4 ) two payments were sent but no one could find them 5 ) we were told CSR are aware of accounts irrespective of their locations, etc. WE request to get this account straight to reflect this missing {$110.00} to CSR told us was missing, this was not acknowledged in the above reference #.
I have been a victim of TransUnion inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX  never return my voice messages and never can be reached directly you get a voicemail
This company called diversified consultants inc is a collection company that put a derogatory account on my credit report without contacting me first and giving me 30 days to contest the debt as per the fair credit reporting act, the failure to contact me means this company acted in bad faith and used bullying tactics against me, the total of the said account is {$570.00} from I believe original creditor XXXX, now they must send an agreement because this company XXXX been claiming I owe a lot of things and they are unfounded, I need them to get these things away from my name and those addresses of services are not associated with me ... Ive lived at the same address since 2001, and its not the address they have ....
I got an insurance reimbursement from XXXX XXXX. Key bank lied to me all day. Supervisor XXXX promised to call me back and gave me a bogus email address that wasn't responded to either. After calling all day, canceling my check with XXXX and them reissuing a new check. Key finally tells me that they don't accept mobile deposited insurance checks. I am living in my car, in the winter and they kept me from having access to this desperately needed money. Supervisor XXXX blatantly lied to me and had no intention of helping me. I'm still unable to cash/deposit this check, as I am two states away from Key bank footprint. I have no access to the beanch which is what they are saying is the only way for me to deposit or cash this check with them.
The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.
I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.
I went into a car dealer they sold me a loan on a loan to fix my credit. They never discussed with me that it was a high interest rate that in four years I would only have paid {$40.00} in principle over a 4 year period of time. 99 % of my payments have went to interest. Leaving the value of the car 300 % of the loan. Which is forcing me to consider bankruptcy. I consider their fraudulent and high pressure tactics a violation of my consumer rights. Purchased vehicle on XX/XX/2014 for XXXX still owe XXXX monthly payments are XXXX. The name of the finance company is santander consumer USA
A loan was taken out in my name from a company called Avant in   XXXX   XXXX  . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on  X/X/XXXX . They then sent an email on   XXXX   XXXX   XXXX  , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on   XXXX   XXXX       I have since received an email from their fraud department ( on   XXXX   XXXX   XXXX   ) stating their investigation was closed and the account would be removed from my credit reports.     I am currently being sued by a debt buyer,  XXXX   XXXX  in relation to this account. I 've requested via email th at Avant  notify  XXXX   XXXX  and  XXXX  's attorney,  XXXX   XXXX , of the findings of their investigation. They did not agree to notify  XXXX   XXXX  or  XXXX   XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to  XXXX   XXXX  and  XXXX   XXXX  and have not heard back from either company, and the lawsuit has not been dropped.     I have requested  a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud  department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called  XXXX   XXXX , informed them of the situation and request a call from a manager or supervisor.   XXXX   XXXX   informed me they have no way to intervene on Avant accounts but the  XXXX   XXXX  rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or   XXXX   XXXX   has contacted me.     I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response.     Since I have provided all the requested documents to  Avant  and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.
I am one of the 143 million people potentially impacted by the hacking/data loss at Equifax. As of this time, I have no idea what this will mean for me, but at the very least it will require an amount of additional time and personal effort. At worst, I will be much more likely to be a victim of fraud in the future. 

Until such time as a new and more secure system is developed for managing personal information and credit, I and the millions of other victims of this hack must live with its consequences, with virtually no measure available to us to have prevented it. This is the real crime -- that the consumer is rendered powerless to protect him or herself without incurring substantial costs. The remedies Equifax has offered are insufficient given the magnitude of the breach and potential consequences to its unwilling customers.
I am a XXXX XXXX employee with the XXXX XXXX XXXX, and have been since XX/XX/XXXX. I graduated from XXXX School ( XXXX XXXX School ) in XX/XX/XXXX, and began working and repaying my loans in XX/XX/XXXX. 

-From XXXX to XXXX I used the Loan Servicer XXXX -In XX/XX/XXXX, I was advised that I needed to switch to the Loan Servicer XXXX  in order to properly be enrolled under the Public Service Loan Forgiveness Program . 
-From XX/XX/XXXX to current ( XX/XX/XXXX ) only 11 of my payments have been counted under the PSLF program. 
-From XX/XX/XXXX to XX/XX/XXXX I have contacted XXXX to resolve this issue, and no one has helped me. I am curious why none of my previous payments ( under a qualifying program for the PSLF Program ) have not been counted or applied to my account. 
-In XX/XX/XXXX, I personally uploaded all of my previous payments made through XXXX on my XXXX profile. I did this because a supervisor verbally told me " she would personally look into why my previous payments had not been counted. '' Nothing was resolved. Moreover, the direct line the supervisor ( XXXX ) gave me is no longer in service. 
-I have provided all the required information timely, and yet continue to get " it will take between 70-90 days to resolve your issue/ count your previous payments. '' It has been more than 18 months, and nothing has been resolved. 
-On XX/XX/XXXX, after 45 minutes on the phone with supervisors XXXX and XXXX XXXX the best resolution they could provide me was " to be patient '' and that " we have everything so it is on us to complete the process of reviewing all your previous payments. ''