WillisBack/dataset-financial-user-claim huggingface dataset:
I have an American Express Serve prepaid card. I have direct deposits made on a regular basis. Four recent deposits have failed to show up on my balance even after the payment was processed by the issuer. I called their customer service number, but the call was not picked up after being on hold for over thirty minutes. 
I found out from XXXX and other social media that thousands of people have been waiting for direct deposits from this and the Bluebird card ( also issued by Amex in conjunction with XXXX  ). I am broke and desperate for answers.
I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.
XXXX : XXXX Select Portfolio Servicing, Inc. sent to my PERSON an admission of guilt of violating the financial privacy of a customer. SPS sent to my PERSON previously private and confidential loan documents of another customer to include a Promissory Note. I still have these items in my possession. Promissory Notes are negotiable instruments and subject to all applicable federal laws. 
There is a high probability that Select Portfolio Servicing, Inc.has also illegally violated my financial privacy and distributed my private and confidential information to other entities. We already know that they sold my monetary instrument and committed mortgage and securities fraud.
I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.
On my Transunion account for XXXX XXXX it is showing two loans, and both loans being 5 months late. I only have one loan and it is current. XXXX said they are aware of the problem but do not know when they will fix it and it is ruining my credit.
I filed a dispute with Transunion regarding an incorrect balance owed with a creditor, XXXX, which had n't updated my payment balance. My credit score at the time was XXXX. As the dispute was resolved in my favor, an XXXX updated my balance information showing I owed them less money, I expected my credit score to improve. After filing the dispute, my credit score DROPPED XXXX POINTS. I contacted Transunion, their representative indicated they would remove the dispute mark, but the score remains the same, at XXXX!!!!! I would like to know exactly what happened to cause my score to drop XXXX points. Something does n't seem quite right here. Thank you.
I have sent 4 letters to Equifax over the course of 120 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I have copies on file with certified mail receipts for each. In each letter I have asked them to correct direct erroneous information that they are providing on my credit report, I have asked them for physical proof for their " verification '' I have provided them with proof of their errors. They have several errors on my report : Misspellings of my name, wrong previous address, entire payment histories missing from tradelines and they refuse to send me physical proof for negative information that I suspect are not mine. Each month they send me a vague response that often doesn't even match what I have requested and the errors remain on my report with little to no change. They are willfully being non compliant to my FCRA Rights and my rights under the FCRA Section 609 especially. I have also tried to reach out to them by phone. I am often routed to representatives that do not speak English very well and/or can not understand what I am communicating. Equifax seriously needs regulation on how they handle inaccurate information. They are non compliant and they ruin peoples lives by not doing what the law requires. They are bold in their negligence.
There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.
I checked my credit score today and noticed that it went down XXXX points, with that being said I noticed that Midland LLC was removed and replaced back on my credit file with a new report date of XX/XX/2017, this is not new credit..this account has been on my report for a while incorrectly. This incorrect posting has re-increased by debt by an additional {$2200.00} and decreased by score by XXXX points. I was never notified by XXXX, XXXX or XXXX that that they would be doing a re-insertion of this account on my credit. I request that it be remove ASAP because this is a violation and and requirement by FCRA
I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction
My ex-husband and I have a mortgage with Santander/Sovereign Bank. For the past 10 years or more, we have been receiving a statement that says we owe over {$5000.00} in mysterious " Financial Fees ''. These are in addition to the mortgage payment, late fee charges, tax fees, etc. For years my husband and I have been trying to get Santander to explain what the fees are for. After hundreds of calls and certified letters requesting explanations for these fees, we have never received a response. Each time we call, we are put on hold or transferred over and over again. Usually, we just get hung up on. My husband and I recently got divorced and I am trying to re-finance our home through another company. This morning, with the phone on speaker so my loan manager at the new bank could hear, I called Santander/Sovereign again. I was put on hold and transferred over 5 times. Finally, a woman named " XXXX '' was able to tell me that some of it was attorney fees dealing with our bankruptcy over ten years ago. The other {$4000.00}, she admitted she could n't explain. She then transferred me to a woman named " XXXX XXXX '' that is supposed to handle all questions dealing with bankruptcy fees. I have called this woman numerous times and I always get her message machine asking to leave a name, phone number and short message. I have left numerous messages asking her to call me back. I have not received a response from her. Our bankruptcy was paid off and finished over ten years ago, and never was there ever anything about bankruptcy fees from Sovereign/Santander in any of the documentation. Also, when talking to " XXXX '', I asked her when my payment was due each month and how long of a grace period until a late fee was charged. At first she told me ten days then she changed her mind and told me fifteen days. Then she backtracked and said ten days again. When I asked her to make sure so that I could send it early enough, she got mad and said it does n't matter when I send the payment, it 's when they accept it. I have been paying electronically each month on the XXXX of the month. She says that Santander has n't been receiving it until the XXXX or third of the next month. She 's claiming that it must take over 15 days for the electronic payment to go through! My bank that I pay from says that it only takes XXXX5 days. Yet Santander keeps charging me a {$30.00} late fee each month. I ca n't win with them. I think everything they are doing is dishonest and possibly illegal. I am on disability/social security with a fixed income. The woman, " XXXX '' told me that if I wanted answers to what the " mysterious fees '' were, I would probably need to " seek legal counsel ''. I do n't have the money to do that. They should be able to provide me with that information upon request. I should n't be responsible for paying for fees, that even they can not or will not explain.
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called AES ( American Education Services ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( XXXX, XXXX, XXXX ). I am not sure how the credit bureaus verify this when AES is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both AES and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/XXXX while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.
Transunion refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Transunion out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Transunion is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
XXXX mastercard offered 6 months no interest if paid in full to me. I took advantage of the offer. They then began charging interest immediately, starting on my XXXX/XXXX/15 statement in the amount of {$10.00}. I want the special financing they offered as advertised!
hi, on XX/XX/18 i have transfered out funds from chase through XXXX my account showed the funds are availible with no pending ACH, every day if there is an ACH debit at chase its shows the transection in pending and the amount is updated in the availiable balance, on the XXXX all of the sudden i was charged a {$34.00} for INSUFFICIENT FUNDS FEE FOR A {$25.00} ITEM - DETAILS : XXXX XXXX with the date of the XXXX so they did one of the 2 either they made a change the way they display an ACH without prior notice, or its an error on their system, but in any case its happened because of them and they shouldnt hold me resposible for that and charge me. 

they agree on what im saying they just keep saying that im not aligible for a refund
The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX XXXX and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.
They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time
There is NO way to contact the XXXX @ Experian to point out the error of their ways bytelephone! They have refused to Freeze my credit! I sent all three credit reporting agencies ( Certified/Return Receipt Requested ) all the documentation they requested for Identification AND copies of the Incident Report that the local police agency kindly provided when I had my driver 's license Lost / Misplaced / Stolen. 
Experian want me to resubmit ALL the exact same XXXX they 've already signed forAGAIN [ at My expense ]. 
XXXX and XXXX have already FROZEN my accounts and provided me with aFREE PIN number to UNFREEZE and REFREEZE my reports in perpetuity. 
FREE, FREE, FREE! 
Which is the whole point of going through MAILING the info to the Idiots. 
PAYING them to mismanage the " Credit Reporting '' Industry is Just Like XXXX ADDICTS!!!
In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016. 
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to. 
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call. 
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone. 
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.
Navient keeps adding balances and subtracting balances from my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of deferred. I respectively ask that the lates fromXXXX be removed and set to current. as soon as I contacted Navient my loans were put back in deferred. Also, I want all loans older then 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP,  as Navient is doing illegal collecting and reporting practices. thank you
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed XX/XX/XXXX. The United States Bankruptcy Court granted a discharge in XX/XX/XXXX.I have filed a dispute XX/XX/XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Transunion as of XX/XX/XXXX report has said that due to public records and high balances that it can effect my credit score. The law pass in XXXX states that no credit Bureau can place or use collections and Tax liens against you. It seems that Transunion does not follow the laws. Trans union is going off of 3 RD Parties in which has no support or proof of the real amount or if any balance or amount is correct. I also had ask 3 months ago for proof from Transunion in which no documented proof nor any proof from the source has been provided as. I requested documentation to support what there saying to high credit card limits & collections or liens. Transunion also has had bad issues after items have been deleted and no longer on my report. Transunion also does not factor how much was deleted by the creditor in error/ greater. With credit bureaus its no more than a game if you pay it off or closed the account TransUnion tries to use it against you. TransUnion has a creditor place bad information in which its recall and informs the credit bureaus of errors and to delete the such said itmes