WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.
XXXX XXXX XXXX TN, XXXX XXXX Account number # XXXX No contract or no signature
Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.
These people call several times a day to my home, my cell and my job. They have been asked to stop calling but keep call despite. They have to left any messages but will tell co-workers that they are a debt collection agency and they too, are being recorded. This has been going on for three weeks. The company name is RAB. They truly harass and will go as far as to speak to others about you in an unpleasant tone.
I have been getting emails and collections letters telling me to pay money from banks of Wells Fargo, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they asked me not to send any money orders or checks, only said they would accept Cash Only in the mail.Someone stole my identity and opened up bank accounts in my name and then they overdrawn the accounts in excess amounts of money.These banking institutions would not send me any proof that I owe this money and my signature was forged on all these fraudulent bank accounts.I have been giving money to these institutions and collections threatening me with jail time and not sending me proof that I opened these accounts.I have been giving away large amounts of money.
I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help
A few months ago, I closed a credit card that had a {$500.00} limit. I wanted to boost my credit score, but even though I paid on time it only improved my score by a few points. Since the card service was charging me a {$35.00} annual fee, I decided to close it. Unfortunately, this move dropped my credit score 29 points! I went from having an average score to poor. I feel like I am being held hostage by my credit score and reporting policies. I feel these scores and practices are designed to keep a person down. Now I will pay more in interest rates if I want to buy a home, a car, or choose to get another credit card. This is very unfair and I don't think I'm the only person who shares my perspective. I shouldn't have to open and juggle several credit cards to have a decent credit score.
I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account
XXXX ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX.
I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?
Last year I tried to close my COD account with HSBC and after several tries, I gave up and just let it be. However on XX/XX/XXXX, I finally followed up again and closed my COD account with them. They said they would issue a check via XXXX within 5 business days. I still haven't received my check and its XX/XX/XXXX. After 3 follow up calls and a call to XXXX  XXXX, HSBC has no clue where the check is and only realized this on the last call. They were unwilling to take necessary steps to call XXXX and find out and give me a status and asked me that I need to call XXXX for this. They were so quick to close my account but where is my check for $ XXXX? I called them again today and now they can't find it and they are re-issuing the check. However they told me that they will call me back on Friday to find out if there are any further issues. Why is this taking so long? Its been almost 2 weeks that I haven't received my funds. How can a bank pass any of their key controls if they can't even pay back their customer deposits?
While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX someone opened up a XXXX account in my name and ran up my credit and never paid the {$140.00} owed to XXXX XXXX XXXX. I tried disputing it on Equifax but they want a ten digit # I do not have.
This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.
At XXXX on XX/XX/17 a number that I no longer own was contacted by Midwest Service Bureau . The representative asked for me, and the person that answered the phone said she was not with me.  The rep tried to gain a valid number, and the person that answered did not provide the requested information. The representative asked if she was my wife, and she said yes. This woman is my ex girlfriend, not my wife. The representative released what company she worked with, my first and last name, last known street address, the amount in collections, and that it was a collections account. There was no verification before releasing this information, only " Yes '' when asked if she was my wife. The rep proceeded to try to bleed money out of my ex, and she felt personally insulted with the things that were said. After reviewing the company 's XXXX  page, I am not the first person this has happened to. This situation is sickening.
i became XXXX in 2008, i got {$120000.00} in federal student loans discharged due to this XXXX. My only income is Social Security XXXX {$1300.00} a month and am below the poverty level and can not afford any payments on private student loans. I made multiple attempts at small monthly payment but have since been unable. An original {$6000.00} dollar loan has grown into over {$32000.00} with fees and interest. My mother was cosigner and she to has retired and recieves only Social Security, both of our credit reports have been ruined and I am looking for loan forgiveness and restitution of credit reports.
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.
Experian is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again experian is sideing with this company but there provide any papers signed I believe thi is fraud helped by experian
The interest I am being charged wasn't disclosed. I recently found out that the interest rate is 49 %!! I would never have taken the loan had I known. Is this even legal?
XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.
I am a XXXX-year-old ( almost ) senior. Several years ago a trusted financial advisor lost {$50000.00} of my IRA and I felt forced into getting a reverse mortgage. I got it through XXXX XXXX who subsequently sold it to Champion Mortgage. I am struggling financially because I must keep current on my property taxes and homeowner 's insurance. I asked Champion to reduce the amount of my PMI to be the same as the President 's recent reduction and they refused, citing a bunch of " gobbledy-gook '' as their reason. Can you help get my PMI rate reduced? And, is there an organization where I could ask for a grant to help with my property taxes? Thank you for your help.
Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information.
I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.
On XXXX XXXX, 2017, I attempted to access www.citicards.com to pay my credit card bill with Citibank. I 've paid my bill this way for a number of year. My account with Citibank has been closed a number of years, dating back to when I refused to agree to an interest rate increase. When I input my log in information into the website I received a message that my identity needed to be verified via phone call or by " another way ''. I selected the telephone call and waited for the call to come in for around 10 minutes. In this time I did not receive a call. I then attempted to log in again and this time selected the verify my identity another way option. That option landed me on a page that instructed me to call customer service. I called customer service and spent close to 45 minutes on the call before being informed that I could n't access my account online because I had a closed account. They offered no explanation as to why I 've had online access with a closed account for years and it suddenly was cancelled. I was told that I could register my online account if I had the physical credit card. I informed the customer service agent that I no longer had the card since the account had been closed for years and asked if she could provide my full account number to me. She refused citing security reasons. I am left with a situation in which a creditor has knowingly and against my wishes removed online access to my account. This makes it much more difficult for me to remit payment to them in a timely manner. I believe this action was taken to increase the likelihood that I will miss a payment or have a payment arrive late. Then they would have the opportunity to charge me late fees and increase my interest rate. This is a clear violation of UDAAP in my eyes. There is not logical business sense to cancelling an account holders online access outside of hoping it leads to increase in missed or late payments and ultimately more fee and interest income for Citibank.
On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.
In XX/XX/XXXX I obtained a Cabela 's Capitol One Visa credit card with a {$3000.00} limit. In XX/XX/XXXX I was three days ( 3 not 33 days ) late with making a payment of XXXX. In XX/XX/XXXX my limit was decreased to {$1500.00} at the time I had over {$1400.00} in charges that I was paying on. after lowering my balance it had a huge negative impact on my credit causing my points to be decreased by 50 points and my debt to income ratio to increase painting the picture as if I do not make payments or pay my bills. during that time I was in the process of purchasing a home and could not secure the loan amount because of what Capital One/Cabela 's  done to my credit for being 3 days late and only had the card for less than 90 days. This really puzzled me of how a company can destroy someone's creditability for no reason I have never been anywhere near 30 or beyond late. After paying the card down to XXXX dollars to lower my XXXX so I could secure a loan to purchase a home for my family before I retire from the military. I was told it was best to have a balance on the card not to hurt my credit so I charged {$270.00} on the card. 0n XX/XX/XXXX my credit limit was reduced again to {$500.00} for no apparent reason. All payments were made in time automatically through ACH set up to eliminate any reasons for what happened previously. Again I am now about to close on a new home and they do this again with no reason as of why. When I called they could not give me a reason as of why they did it. This has to be a violation of the FCRA. I got the card to help boost my credit and they have done everything to destroy it. I have been looking for contact information to email the CEO of this company because this is very unfair treatment to a customer who has paid of cars with Capital One and have spent a lot of money with Cabela 's. Is this predatory lending or a set up to destroy credit and lose faithful Cabela 's customers. in less than a year and never late they have successfully destroyed me for no reason.
XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.