WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.
My fiancee, XXXX XXXX and I opened a savings account with Capital One 360 in XXXX of 2016. Since it was opened we have put over XXXX dollars of our money into this account for the purpose of a down payment on a home. About 2 months ago, I noticed a warning on our account saying the funds are not available for withdrawal. Both XXXX and I have called Capital One several times to get this resolved. They tell me it is on XXXX side of the account, so they can not do anything for me and for XXXX, they put her on hold for long periods of time ( as long as an hour in some instances ) and then drop the call sending her to voicemail. This is very uncharacteristic of Capital One, but we want access to our own money. At some point, we will need it.
In early XX/XX/XXXX we resolved all past due accounts with XXXX XXXX XXXX XXXX. Despite this, a debt collector who claims to be acting on their behalf has continued to attempt to collect a debt. We received confirmation on this via letter on or about XX/XX/XXXX. A little over a week later, we received a letter from XXXX XXXX. Which was postmarked on XX/XX/XXXX. Initially this was ignored as we assumed they hadn't been updated by XXXX XXXX. Since then, i have received multiple illegal robocalls to my cellphone. From this it is clear that this wasn't the issue. They simply have no concern for the law. They have continued their brazen and unlawful harassment for a debt not owed by sending a letter which was received on Monday XX/XX/XXXX. On XX/XX/XXXX , XXXX XXXX was contacted and confirmed no debt was owed.
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and XXXX and Equifax requesting that the incomplete reporting of my XXXX account information be changed to reflect the correct XXXX reporting of my XXXX account. 

I have not heard back from XXXX XXXX XXXX. XXXX and Equifax mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and Equifax, but are being reported correctly on my XXXX credit report. 

My request is that XXXX reports the same information to XXXX and Equifax it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer
got gift card from friend. Used it today at XXXX XXXX.  meal with tip came to {$8.00}. 

Verified charge correct with XXXX XXXX in amount of {$8.00}. 

Contacted uS BANK and they said their XXXX card adds 20 % to any charge at restaurants. regardless. NON of their packaging states this ANY where. 

This is a deceptive practice and a form of fraud. Regardless of the fact that they will correct the dispute AFTER 8 WORKING DAYS. WHAT A RIPOFF. 

WHAT A XXXX RIPOFF!!!!!!!!! 

I HAVE CONTACTED ALL MY FRIENDS AND ASSOCIATES OF THIS DECEPTIVE PRACTICE, AND ADVISED TO NO LONGER USE ANY VISA GIFT CARD FOR ANY PURPOSE.
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy  is still reporting on Transunion inaccurately.
applied for a car loan. XXXX XXXX denied due to credit report. XXXX XXXX credit score XXXX. XXXX credit score XXXX. length of residence too short. Bought my house XX/XX/XXXX paid off mortgage. Too few active accounts. I have 1 department store account. 2 XXXX XXXX accounts and a visa card since XX/XX/XXXX that I pay in full monthly.
Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.
Mid Atlantic Finance has intentionally reported false information regarding my VOULUNTARY repossession that occurred XX/XX/XXXX to the credit reporting agencies. On XX/XX/XXXX as if in retaliation to my previous complaint with your agency, they changed the reporting of this account from CHARGE OFF ( which is how it has been reporting from XX/XX/XXXX to XX/XX/XXXX ) to REPOSSESSION for XX/XX/XXXX. This fraudulent updated reporting dropped my score XXXX points. By Mid Atlantic 's own admission this vehicle was VOLUNTARILY repossessed XX/XX/XXXX. Therefore, according to FCRA law, their deceptive reporting of a brand new repossession in XX/XX/XXXX, is unlawful. And I am pleading with your agency to either demand the complete removal of this account from the credit reporting agencies or to demand that they change their updated status of REPOSSESSION for XX/XX/XXXX back to the correct reporting of CHARGEOFF. Please find all documentation attached.
medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount medical data systems claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.
In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.
Equifax// XXXX XXXX XXXX Told me they close my account out XX/XX/2018 and reported To the credit bureau that the account was closed paid and delete it still shows balance of XXXX And still reporting late damaging my credit score Called and spoke with the Vice President of the company he told me I owed XXXX and settled the account for less than and personally takes care of reporting to the credit bureau and he did so And he has paying customers to get to and hung up
I have a Chase XXXX card. Per the agreement, I should not be charged interest if I pay my balance in full before the due date. Even when I pay my balance in full before the due date, Chase still charges interest and refuses to explain why they have charged interest in violation of the agreement or provide the interest calculation. I manage credit cards for a large company and have never had these issues with other credit card companies. I will be closing the card as a result of these issues with Chase.
Debt was paid on XX/XX/XXXX I received the closing letter XX/XX/XXXX stating that the account was closed. Today XX/XX/XXXX I received a phone call stating our payment was declined but our bank records show it was paid.
I opened a promotional offer in XX/XX/XXXX which offered a bonus award of {$400.00} if I kept {$15000.00} for me and XXXX $ to mi girlfriend in a checking account for 150 days. The 150 days was up on XX/XX/XXXX, but I have not received the {$400.00}. Three bank employees in two different branches have opened disputes files but nothing has happened. I opened the checking account at the XXXX XXXX,. branch. The manager XXXX XXXX is involved in this dispute but she is incapable of solving the problem. 

I give this bank a zero rating, and I've gone to another branch to ask for help. The banker there made a good faith effort to solve the problem, but to no avail. It is now 25 days after the money was due and nothing is happening. I've filed a complaint with the CFPB and with the Federal Reserve Consumer Help bureau
I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.
This is to address the issue that is still on going with Rush Card. I have been dealing with this very unfortunate situation and have since lost my Satellite TV service, my car insurance is threatened to lapse in a day, and I had to borrow XXXX to pay my cell bill that had been given a XXXX hour extension due to this outage. I do not who told the commission that this issue was fixed but I 'm here to tell you that today XXXX/XXXX/2015 @ XXXX XXXX Est. That issue is still ongoing. I hope they will compensate peole for reconnection charges that we will be charged this is the most horrific experience I have ever had to endure with any financial institution and for them to tell clients they have no idea when this issue will be resolved is ludicrous. People are being evicted, losing daily home resources such as power and telephone services this is really really bad and I hope that something is done to assure this wo n't happen again. My son sure would appreciate it after he had to miss his home coming because we could n't purchase his anything not even a haircut. I 'm very disappointed and I hope they pay for all that we had to endure.
On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.
This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.
XX/XX/2016 ( exact day unk ) I made an online purchase to XXXX XXXX XXXX for a taser holster. The purchase was taking too long to arrive so I contacted the company as to the status of my purchase. I contacted the company via email a few times with responses. The dates are as follows : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. The last date is when I asked for a complete refund because I was getting the run around. Typically when I have made any purchases online I am not charged until the item gets shipped which I found strange with this company. Communication broke down after I requested a refund. I contacted my XXXX Master Card issued by Barclaycard on XX/XX/2016 to dispute the charge and I supplied them with all the emails and receipt for the transaction and was given a case number and told it would take 90 days to get resolved. When I did not hear back from Barclaycard I contacted them on XX/XX/2016 and was told the case has not been resolved until XX/XX/2016. On XX/XX/2016 I recontacted Barclaycard and was told the disputed charge should reflect within 48 hours. On XX/XX/2016 spoke to XXXX at Barclaycard regarding the dispute and was told there was an error and I was given a new case number. I contacted the credit card again on XX/XX/2016 and was told it would take 45 days from XX/XX/2016 to hear back from the merchant. It seems I am once again getting the run around but this time from the credit card as this dispute was first reported to the credit card beginning XX/XX/2016.
Hello, i am filing a claim on how my mortgage company green tree treated me, first when my mortgage was transferred to them my my monthly payment went up by {$400.00} without enough explanation, and high late fees, they were very abusive both to me and my wife to an extent i was very stressed out and i lost my job because they harrassed me with non ending phone call from XXXX all day long and leaving voice mail i could not concentrate at work.Green tree used to call me every day for like four years even when i schedule a payment with them, they used to call my job, wife, relatives and leaving voice mails.The employees were very rude to us they threatened to foreclose our house even after we had a scheduled payment on file.I had a recording of one their employee by the name jonny. who called and forgot my phone was still recording and they were discussing their customers payments history in a mean way.Green tree lied to us we could only make a payment using speedpay.They took us through XXXX trying to modify our mortgage because every time we faxed documents they claimed they had not received them it was so bad i was ready to walk out of our house.I will appreciate your response Thank you.
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Companies : Equifax, XXXX, and XXXX Dates : XXXX 2017 Following the Equifax data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit rep I returned from a XXXX on XXXX from the XXXX XXXX. The information from the Portfolio Recovery Associates , LLC showed up on my credit report around XX/XX/XXXX. I tried to contact the Company to get additional information. They were not able to supply me with anything. I told them I was on a XXXX, the information showed up on my credit report without warning. I was not given the allotted time to resolve the issue prior to having it showed up on my credit report as I was on a XXXX.
Citibank was charging me interest at a penalty rate when the account should never have been in penalty status. No payments had been missed. I was making payments weekly of {$200.00} which was more than the minimum due however the system would show it as late. Even still after 1 year of the penalty rate they still charged it past the time allowed per the terms. I never was notified of the penalty rate and realized the interest rate when I was checking the statement as I noticed since the card had very little use and should be at a lower principal balance because of payments being made are well above the minimum due. They have " cured '' the account now after further investigation with the interest rate and even the representatives have said they ca n't understand why it went to penalty pricing as it should not have. When I asked for a credit for the interest calculation for the error they have done I am getting no where and they are laughing at me. Also the penalty pricing was placed during a time that I reported fraud to them and requested a credit for it. They put the account in penalty APR when the fraud happened and never should have happened.
This is all to do with the personal data leaked from Equifax, mid-XX/XX/XXXX through XX/XX/XXXX2017. I just found out about it and went to their poorly provided website ( http : //www.equifaxsecurity2017.com ), which asked me to provide most of my SSN to confirm if I am affected, which I am, along with 143 million others. I submitted a request to do a temporary 90 day freeze on my account through XXXX, because I have no confidence in Equifax. I still have to do this for the rest of my family. I work for a company that has to deal with PCI and HIPAA compliance and I do n't understand how a company that collects this much private information without consent can have such oversight and disregard for the rest of us.
This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.
My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself