WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?
In answering CFPB Complaint XXXX on XX/XX/2018, XXXX XXXX stated that " they had updated the disputed status of the account and suspended collection efforts in their office. '' On XX/XX/2018, XXXX XXXX broke their agreement and initiated collection efforts once again on a time barred debt. 

Not only does this company not comply with the laws of the FCRA and what they report to the Credit Reporting Agencies ( CRAs ) but they break their agreements with the CFPB.
My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!
A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?
Things on my background check should not be pulled up after 7 years and it keeps on appearing I plead out to the charge back in XX/XX/XXXX and XX/XX/XXXX its been 14 years and it still showing up preventing me from jobs and things of that nature
Chase Bank and XXXX XXXX XXXX/XXXX/XXXX bought 4 plane tickets through XXXX XXXX XXXX/XXXX/XXXX time changes have been made to the flights, so I canceled 1 ticket and got a refund and called back a week later to cancel the rest, but XXXX XXXX rebooked the rest. I filed a dispute with chase since I did not want the remaining 3 tickets to be rebooked. 
XXXX in early XXXX Chase refunded all four tickets by mistake when it should have been 3 XXXX/XXXX/XXXX I was rebilled for the initial ticket that was refunded, which I paid. 
XXXX/XXXX/XXXX I was rebilled AGAIN for the initial ticket, which I paid. 

I 'm am disputing the second rebilled cost! 

I reopened the same dispute 3 times and Chase misunderstood the problem and thought I was arguing that I have n't paid for the rebill, which caused another rebill from XXXX. I 've talked to the supervisor at Chase to re-explain and he said there is nothing they can do since it 's past the disputing period. 

I was able to cancel the first flight since the flight time changed. When this dispute is going on, I got another message saying that the second leg of the flight has been canceled. This means I definitely qualify for a refund. 

I 've attached the flight cancellation email.
Have dealt with Ocwen through efforts of reps with XXXX and XXXX Ocwen will not accept loan mod packages and will not send out proper notices for any denials Refuses to speak to my third party
I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information
My loan is being serviced by Amerisave. In addition to my regular monthly payment, I have been sending {$2000.00} in additional curtailment every month. Each month, Amerisave records the amount as {$120.00}. Each month, I contact them to request it be corrected. The corrections are resulting in wildly erroneous calculations and my outstanding balance is not being calculated correctly.
Dear Sir or Madam ; This complaint I am filing is against my servicer America 's Servicing Company. They violated the dual tracking laws. In XXXX they told me I can apply for loan mod and I did. I faxed them my loan modification application on XXXX XXXX. After 2 weeks of waiting for them to reply they told me that they cant accept my application because they posted a sale date for XXXX XXXX. America 's Servicing Company was the one who contacted me telling me that I was eligible for a loan modification and to send my application in the meantime they were foreclosing on me. They violated the dual tracking laws and lied to me. I plead with the Consumer Financial Protection bureau to protect me and investigate my servicer for acting in bad faith.
I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior.
I have XXXX open collections on my TransUnion from XX/XX/XXXX, and XX/XX/XXXX. I went bankrupt in XX/XX/XXXX and these should be closed. 

Also I have XXXX open collections on my XXXX report from XX/XX/XXXX that were also part of my bankruptcy in XX/XX/XXXX that should not longer be opened. 

This was case number XXXX, XXXX District of Wisconsin. Please correct to reflect accurate credit report.
In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..
Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX : XXXX
I was a victim of identity theft. I wrote to the company on XXXX XXXX, 2017 and told the collection agency that I was a victim of ID theft. On XX/XX/XXXX, I got word they reported a collection to the credit bureau and the result I went from a XXXX credit score to XXXX. I have made repeated calls and no help. They informed me that anyone could claim identity theft and that I would either need to pay it or it would stay on my report. I have written another letter today in hopes of resolving matter. I tried to file police report back in XX/XX/XXXX but was met with the attitude that it was n't worth my time. They had bigger crimes to solve. That was disheartening. I am now documenting all my letters so that I can create a chain of evidence. They claim they never got my last letter.
Twice I have attempted to make my payment online with SPServicing and twice it has failed due to an incorrect account number. When it happened the first time, I assumed I typed the account number incorrectly, but when it happened a second time I suspect an error in their system not my typing. I called customer service and spoke to XXXX XXXX at extension XXXX and explained that their must have been an error in processing the payment and could I please make the payment over the phone. He informed me that because this had happened twice in 6 months, they would only accept certified funds. He refused to take my payment over the phone and informed me that if I mailed a check it would be returned if it wasn't certified funds. Just to be clear, neither payment was returned for insufficient funds but rather an incorrect account number, and the account has never been in default. I have read my mortgage Note and do not see anywhere that requires me to send certified funds if a payment isn't processed due to an incorrect account number. The payment is not delinquent and the account is not in default. Please clarify if SPSerficing is allowed to refuse my payment and require certified funds when the account is not in default or past due. Thank you.
I received a letter from the American Express that one of my card is being converted to dissimilar card forcefully. I contacted regular customer service, but they were no help. I contacted American Express Executive Office by phone at XXXX. I was told to submit my concern either by Fax or e-mail at XXXX, which I did by e-mail on XX/XX/2016. Since I have not received any acknowledgement from the American Express, so I called the XXXX again. The lady told me that she could n't help because she did not have any information.
On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : XXXX XXXX XXXX. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,
There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.
XXXX  and Transunion are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.
XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX XXXX : XXXX/XXXX/XXXX XXXX , FL XXXX
the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from bank of america itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
The problem is with CRA TransUnion For a long time, they were not updating a credit card I use primarily ( XXXX XXXX card ). I complained that they should update, so instead they just wiped out the reporting of the card altogether. 

I got tired of them not reporting my use/payment history of this primarily used card, so I went to their dispute center to tell them to put the card back on my record and properly update it, and I never got past one part of the reporting process. It just provided no form to enter the request. I thought it might be browser-dependent, so I tried going through the form process using another browser and I got stuck at the same point : no page showing a form to advance to the next step. 

I don't think this is a technical problem. I think this is intentional. Perhaps it's because I used the process before and they believe I should not use it a 2nd time. 

There is a new regime in the government now, one not favorable to the consumer and entirely favorable to those entities that run a business or make obscene profits. I suppose I am writing to an entity that will even discard this complaint into the bit bucket.
This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!
I signed up with Experian Credit reporting, paid the fee and I received a credit XXXX score of XXXX when I applied for a loan the same company gave me XXXX score of XXXX, which caused me not to get the loan. The XXXX would have allowed me to get the loan. I am going to have to pay again to get the mortgage score again when I close the loan. I am being defrauded by Experian Credit Reporting company by paying for the scores which are different If i did work for some one and charged two times for same job, the I could be charge with fraud. Am I right or wrong.
This credit card shows as a derogatory mark in my credit report. I submitted a dispute trough XXXX XXXX and it has been two months and the account is still under investigation.
I have spoke to XXXX about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.
I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX. 

The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan. 

With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents. 

On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company. 

XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error. 

I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company. 
I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.
On XX/XX/2018 I have written a letter to XXXX XXXX asking them to stop calling me that included out of that state numbers as well which they have ben doing for the past month. I informed them in a letter that all call from them will be log and recorded after XX/XX/2018. On XX/XX/XXXX I received two calls. On XX/XX/XXXX one call and XX/XX/XXXX one call. I have phone login their out of state numbers on my phone. I have sent XXXX XXXX another letter informing them they are in violation of the ( FDCPA ). And informed them I will be filing a complaint with ( CFPB ).
I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.