WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted Equifax several times about an inaccurate discharge date reporting on a public record. Ask the bureau to investigate and send me original copies, proof of the date in question from the court house. From my understanding, i have the right to have accurate data reported at all times. An inaccurate date prohibits my ability to apply for credit. The investigation was done by a third party, and i have no knowledge of their process and methods of verification.Nor did they inform me of such after i requested. The court house has already expressed that they do not verify information with the credit bureaus via in person,phone,fax or email.My complaint is with the original documentation filed at the court house. I understand we live in modern times and most of the information is copied and posted online, however, i need the credit bureau to verify the accuracy of the account in question via the courthouse. THE ERROR IS WITH THE ORIGINAL FILING.
Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 


ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.
In XXXX of last year, I opened a Citigold checking account that had a promotion offer. The promotion code is XXXX which outlines conditions to meet to get XXXX Aadvantage points. I met those requirements in XXXX 2016 and confirmed with Citi through Secure Message that I met the requirements. The secure message stated that my miles would be credited no later than XXXX/XXXX/16. That passed and I called up Citi to find out the status of my points. They started an internal investigation and came back saying that I qualified and would need to call into provide my Aadvantage account number ( this letter was dated XXXX/XXXX/16 ). I subsequently called in to provide my account number. They informed me that it would take 48 - 72 hours to process the transfer. For the last six weeks, I would secure message or call in to Citi 's customer service line to ask for a status update on my points. Each time, I was met with confusion as they did not know what happened and they would send an inquiry to their " back office '' with high importance. After six weeks, I am fed up with Citi 's unprofessional treatment and therefore am filing a complaint with the CFPB.
On XX/XX/2018 I applied for a loan online and the company stated they needed a credit report from Transunion to complete the application and forwarded me to a transunion website. The website stated it would forward the company a report for {$1.00}. 

I never saw the credit report they were supposed to be forwarding to the loan company and today I got a bill on my account for {$20.00}. When I called to cancel the debt I got a lecture from someone speaking broken English about the legal sufficiency of their charge and a lot of XXXX about identifying myself and the importance of a transunion credit report for job searches, and credit matters, but no action on removing the charges and no action on cancelling the recurrent debit. 

The customer service rep acted as though he was a lawyer and career adviser but failed to address the issue about the debt. The Transunion rep claimed that in agreeing to purchase the {$1.00} one time report I agreed to a recurring debit and it stated so on the website. The website may mention something about a recurring debit but it is not in a clear an umambiguous fashion. To hide a recurring charge in the fine print shoutd be illegal and is at best unethical. Moreover, the day I noticed the charge ( which is today ) is the same day the charge was made and the same day I contacted them. Now they are trying to insist that those charges were earned. The only thing I received from them was an invitation to register for their services, I never logged in, or accessed their services in any way. I never received an e-mail acknowledging the recurring debit. XXXX, I don't even know if the lender ever received the report I was seeking to send them, which led me to transunion 's web site in the first place. Is transunion pretending to be a lender just to get people entrapped in their recurring debit scam?. 

I would like the FTC to look into this type of practice and force the credit reporting agencies to make sure the consumer acknowledges specifically separate and apart form their {$1.00} promotion any recurring charges. Moreover, Transunion should be forced to return my {$19.00} cancel any future charges they plan to make on my account and their customer service personnel need to be retrained to understand when a person calls to cancel a service it is not up to them to make the caller feel like he is guilty of being inattentive and at worst stupid for wanting to cancel a service they did not seek out. All they had to do was cancel the service and instead they try to make you feel like " if you are nice we won't continue to cheat you! ''
Predatory lending complaint against Bank of America.The bank has refused to refinance my loan stating I do not make enough income for this loan. 
The bank has refused to offer any program of assistance on this loan stating I make too much money and can afford this loan. 
The bank 's current loan has a monthly payment with will increase by approximately XXXX per year. The bank will apply extra fees and charges due to my inability to stay current on this new and unmanageable payment.
my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX
Went to pay my Citi credit card, teller said that they needed my Social Security Number and Occupation. I ask why, and pressed the issue they said it was corporate policy.
I have tri ed on 3 diffe rent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have not received a contract or any do cumentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all  XXXX  of these accounts. Under the FCRA 611 ( a ) I also requested the  method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rig hts. On 2 sepera te occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
I tried to buy 2 VIP tickets to XXXX XXXX from a person who called themselves XXXX. It is unclear now whether or not that was his real name. I contacted him by phone at the number XXXX ( XXXX XXXX XXXX. We spoke on the phone and agreed that I would pay {$170.00} as a deposit before I collected the tickets, and {$170.00} after I collected the tickets. When I went to pay him the 2nd amount, he told me that because the amount was the same and done 2 times in a row, his bank, XXXX XXXX XXXXXXXX, had flagged the transaction as fraud and that I would be refunded within 1-2 business days. These transactions occurred near XXXX on Thursday XX/XX/XXXX. I called my bank, Chase, to confirm that he was correct and they told me that the 2nd payment was " pending '' but that it had gone through on their end. I assumed this meant that XXXX XXXX XXXX had indeed marked the charge as fraudulent. I sent him a new amount of {$170.00}, which fulfilled our agreed upon amount of {$350.00}. In reality, all {$520.00} was subtracted from my Chase account and processed/delivered to his XXXX XXXX XXXX account. I used a service called " XXXX XXXX '' to conduct the electronic transfers between bank accounts and he provided me with an e-mail address that he uses on his end for the service. That e-mail is XXXX. Both Chase and XXXX have told me that their fraud departments can not do anything to reverse the transactions, and of course, this " XXXX '' is nowhere to be found for comment as he did not deliver the tickets as promised, and ALL 3 transactions went through. In the end no tickets, loss of {$520.00}, and 3 entities ( XXXX XXXX XXXXXXXX, chase, & XXXX ) all telling me they can not help me.
Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.
I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct.
This  National Mediation   XXXX  called my mother and told her they wanted to deliver documents to her house for a case against me. She called me right away and gave me the number. I called and would not give the last  XXXX  numbers of my ssn, and I gave them the case number they gave my mom of  XXXX . They asked what I was calling for and I stated i want to know  XXXX  you are talking about she them hung up and would not take any more of my calls. I know this is a scam but I am putting a complaint with the FTC and Consumer Affairs.
On XX/XX/XXXX I received a letter from the Commonwealth of Kentucky Department of Revenue stating, that I owe debt totaling {$1900.00} to XXXX XXXX for date of services XX/XX/XXXX for {$1800.00} and XX/XX/XXXX for {$89.00}. This was the first time that I heard about this debt so, I called the Department of Revenue disputing the debt. I was informed to fax a letter disputing the debt but, this would not stop the Department of Revenue from continuing processing any administrative collection actions unless they received a letter from XXXX XXXX to stop the process so, I faxed the dispute letter and called the Dept. of Revenue to verify that they received my which, they did. After, this on or approximately XX/XX/XXXX I received a telephone call from XXXX a representative from the Department of Revenue explaining that he received a response via e-mail from XXXX XXXX stating, that I owe the debt so, I had to pay but XXXX refused to give me the name and/or the telephone number of the person he received the email from regarding this alleged debt stating, he was told for me to contact my insurance company if I wanted to know what they paid. I ended the conversation with XXXX and took it upon my self to call XXXX XXXX billing department but, was told my account had been transferred to the CKMS which, I had to ask what it stood for " Central Kentucky Management Services. '' I spoke with XXXX a representative with CKMS and she begin speaking to me about another bill for some physician charges separate from what I received from the Department of Revenue that again, I knew nothing about. I explained that I had no ideal what she was speaking about and asked for an itemized bill including what was paid by the insurance company. Please, keep in mind that I never received any invoices in the mail and it is not on my credit report with any of the 3 credit bureaus. Therefore, I requested that the itemized debt be mailed to me showing what my insurance paid for the alleged debt. Upon receiving the itemized reports I noticed that one of the descriptions stated, that I was treated for " coronary care - intermediate CCU. '' However, I have never been treated for coronary care in my entire life. Also, I don't understand why I never received an invoice from XXXX XXXX XXXX and/or CKMS instead of receiving a letter from the Department of Revenue stating, that a lien not limited to funds being held by my bank, wages, real estate property, tax refund or other monies that may become due to the Commonwealth of Kentucky be seized. I truly do not understand this practice allowing a Medical Collection company to have the right to send a debt to the Commonwealth of Kentucky Department of Revenue when I do not owe the Department of Revenue and I never had a chance to review or dispute the alleged medical charges beforehand. Furthermore, I am unsure why CKMS has my medical records and I never signed a release form releasing my personal medical records to them breaking HIPPA laws. Lastly, I have researched this practice and found that this is an unlawful practice that XXXX XXXX has been doing for years. I would greatly appreciate your assistance with this matter.