WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I had a credit card each with XXXX. When he XXXX XXXX years ago I took over his card and they immediately for no given reason jumped the interest rate to 20 % I have made payments to them all these years but getting nowhere. I decided to consolidate the loans by getting a cheaper loan from Discover loans. This was done in XXXX XXXX. One XXXX card was paid off by Discover namely a/c XXXX for {$9700.00} In the other case Discover sent XXXX {$12000.00} for ac " XXXX. '' Discover wrote the incorrect number for the credit card. The correct number should have been XXXX. This was XXXX. Discover claims they have sent several correction faxes to XXXX but XXXX seems unable to find Discover 's messages or indeed locate the funds. I am in the middle of these two parties with frequent phone calls that go nowhere. The result I am paying the full amount on the Discover loan as well as on the XXXX credit card that should have been paid off.. This extra payment has amounted to nearly {$1000.00} to me over this last three months. I can not get any solution from the parties since there is no resolution from my frequent phone calls to both parties.
I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... 
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 
I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ...
Capital One Bank NA is reporting a XXXX balance on a card that is not mine, the charge is still being reported on my credit report despite the company stating that the account has been removed. Please help me.
Chase bank has given me XXXX funds and california state controller stated my chase fund was deposited onto XXXX XXXX which is illegal.my business name is XXXX XXXX
Caliber Home Loans purports to apply a {$3.00} transaction fee for each online payment in violation of our mortgage agreement and other applicable agreements.
After pulling a copy of my credit report i noticed that there are a few items that i do not agree with. Equifax is saying that the following items in question meets FCRA requirements but failed to comply. I notice there are a few inaccurate things listed on my credit report as i like my report to show nothing but current information and not outdated inaccurate information and this is how i notice several items and requested removal. 
1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3 . XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX, MO XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 6.XXXX XXXX XXXX XXXX XXXX, MO XXXX 7.XXXX XXXX   8. XXXX XXXX  9. XXXX XXXX XXXX, XXXX
On XX/XX/2018, XXXX inquired into my XXXX and EQUIFAX credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.
checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my  employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!
XXXX XXXX with Atlantic Recovery Solutions calling from XXXX trying to collect a debt from a Mastercard unbeknownst to me. 2 years ago all of my information was apprehended and used to try and file taxes in my name, to make matters worse my phone number has been tied to 3 online breaches in the same year. Since then these calls have become more rampant and I am trying to dispute errors on my credit reports. He has now resorted to calling my husband which is definitely not okay. The second number I listed is the number he called and left a message at today. I would like this to stop.
X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.
On XX/XX/2018, I visited a TD Bank branch on XXXX and XXXX, XXXX, to convert money for an upcoming trip. I was informed that the rate was {$1.00} USD to {$1.00} EUR. I informed the representative in the bank that it seemed wrong but she insisted and stated that in addition I would be charged a fee of {$7.00}. I have no problem with the fee, I have a problem with the extra {$83.00} that I was charged. When I arrived at home I went on several bank and financial sites and saw that the rate on this day was {$1.00} US to XXXX EUR. So for {$400.00} EUR I paid {$490.00}. 

I immediately contacted the number on the back of my TD Card and was informed that they could not tell me the exchange rate nor could they do anything about it and that I had to call the number on my receipt. I contacted the number on the receipt given to me by TD Bank and while on hold it said TD Bank foreign exchange but when the representative answered and I informed her of the matter she stated that I had contacted the wrong number and needed to call the number on the back of my card. I explained that I had done that and was referred to her number for assistance I asked what the exchange rate was she stated that it depended on where I reside so she is unable to provide me with that information. Complete dishonesty and a runaround.
I applied for a Chase United Explorer card in XX/XX/2018. I was promised XXXX XXXX bonus miles if I spent XXXX dollars within first 3 months. Since I didnt activate the credit card as soon as I received it, I called the customer service number in XX/XX/XXXX and asked if I would still qualify for bonus miles now if I go ahead and activate the card. The representative told me since the card had not been activated, as long as I spent the money within 3 months of activation I would get the bonus miles. I have since spent the required amount and Ive been getting runaround to receive my XXXX bonus miles. I have since called severa times and was told I would receive them and still no miles. Then I sent XXXX emails and was told I dont qualify and they will investigate. I just want my bonus miles because thats the reason I called prior to activation and asked if I would qualify and I was told yes or I wouldnt of activated card. Your assistance in resolving matter is appreciated. Thank you.
I attended school at XXXX XXXX University for XXXX school, XXXX XXXX University and the University of XXXX XXXX  for XXXX degrees. At all three schools I was given loans with no problem and now as a XXXX I'm struggling to repay., Previously my loans were serviced on the federal side and at one point was sold to Sallie Mae and now owned by Navient . On at least three different occasions I've tried to complete loan forgiveness to get about {$18000.00} forgiven and most recently I've been denied again. Every time I attempt to repay the payment is so astronomical that I have to stop making payments again
I am very concerned with how my payments have been applied to my student loan account with navient. I have paid over XXXX back on a balance of XXXX and still have a balance of XXXX. I also have concerns about excessive charges for loan servicing as well. Please help.
Equifax still continues to have the XXXX XXXX XXXX on my credit report. I have advised them that this is the same debt and loan that XXXX XXXX XXXX XXXX sells and resells over and over to create a negative report even when the original loan was back in XX/XX/XXXX -XX/XX/XXXX.This is against the law. 
Numerous complaints have been filed with CFPB : XX/XX/XXXX- XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX Equifax still has not removed XXXX XXXX XXXX from my credit report. This negative report continues to ruin my chances to refinance my home.
Credit Collection Partners in XXXX Illinois XXXX called me at my phone number on XX/XX/2018 at XXXX. They were looking for my daughter. When i told them i was her mom. they didnt read the mini miranda, they also told me entirely what her bill was for and for how much. They also told me that they would remove my phone number until i gave them a new number to get ahold of her at. Then they hung up.
My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.
Ive sent numerous emails and messages after XX/XX/XXXX and have yet to hear back a response from the company.
This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
My FICO credit score dropped XXXX points from last month due to a derogatory public record. After looking into this, I learned that it stems from bankruptcy, foreclosure, tax leins or civil judgment. However, none of these things apply to me : I 've never filed bankruptcy or had to foreclose on a property, I 've never been to court, and I have no knowledge of a tax lien being have been imposed or a collection filed against me. What can I do about getting this removed from my credit report? Not only is it a mistake on my report, it very negatively impacted my score.
I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. 
Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
They told me all the information the had was accurate. When clearly it wasn't, I have never in my life ever had anything on me about an XXXX XXXX nothing.
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account,
Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.
Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.
My credit report reflects two accounts of the same amounts of {$170.00} from the same company XXXX XXXX XXXX for the collection of funds for XXXX XXXX XXXX This is a duplicate.
In final review step 2 it says I didn't contact Freedom Mtg to resolve but I did. Trying to edit step 2 to change that to a " yes '' said all would be wiped clear so I left it as No. 

Clicked on a link reported to provide current mortgage rates. Ended up starting an application with Freedom Mortgage while we were driving from Connecticut to XXXX. We lost cell coverage and never completed the application. 
My wife and I got letters in the mail saying that our application was denied. There was a block to be checked " Credit Application Incomplete '' but it wasn't checked. There was a box checked on page 1 that said the denial was based upon credit report information. On the second page a box was checked saying that our credit score was used in making the decision. We both have scores over 790 which  Freedom Mortgage reported verbally was excellent. There were also comments typed in, " Amount owed on revolving accounts is too high '' and " Too many inquiries last 12 months ''. 
I called to complain that I didn't want a negative report making judgement about our balances when they didn't even know our income. I only wanted a letter stating that the application was never completed. 
They took the forms and checked the block on page 1 showing the application was never completed. But they didn't un-check the blocks related to the credit report, scores, or remove the comments. They said XXXX  put those comments there. I called XXXX  and they said they don't establish standards for credit approval or denial. I went back to Freedom Mortgage and they insisted they couldn't remove the notes. I told Freedom Mortgage that I was going to submit this complaint.
XXXX   XXXX ,  2017  a collection was reported on my Credit by Kings Credit Services  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  That was never my Debt, I have never been to the medical facility. I belong to  XXXX  for the last 10 years. My Credit is Excellent and this company should be held accountable for its negligent reporting.
I took out a Title loan with PLS of wisconsin last year and still have payments due, and a contract with them before i can get my title back. I went to make a payment this past week only to find out that all PLS stores in wisconsin are closed. I received no notification of them closing their doors in wisconsin and when i called the number they left, i kept getting transferred and put on hold for a good 30 min, and received no information that could help me. I do n't know what to do. Im trying to get my financial life in order so i can move forward with my life, and this is one of the biggest road blocks i have had to deal with.
Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
The sales person that sold me the car didn't disclose to the TILA act, he lie about the interest rate ( he said it was 1.7or 8 %, it turned out to be 24 % ), he lied about the term of the loan ( he said it was for 3yrs, it turned out to 6 or 7yrs ), He extorted from me by lying about the initial amount that I needed to put down, in cash ( he first said, {$1000.00}, then later an additional {$1000.00} ). In the very beginning, I explained to him that this was my first time buying a car from a dealership ( I've always bought and paid cash for cars from private owners ), and I knew nothing about interest rates, finance charges, and I ask him if he'd explain the contract to me word for word. Later, I discovered that he gave me the " readers digest '' version of the contract, he left out important information and much more. The way I found out about all of the above, was after a year and eleven months, I got an email from the dealership informing me that I now qualify for an " up-grade. '' So, I called and made an appointment to come in and checkout a newer model car, XXXX  XXXX XXXX. The GM ran my credit report twice, and chose the lowest report and told me that I don't qualify for an up-grade ; my credit score wasn't that good when they found a bank to finance me, and sold me the vehicle in the very beginning. While I was there ( the dealership ), I asked to speak to the sales person that sold me the car ; and was told by another sales person that he was released/fired, because he did some very bad things to customers. And I was one of his victims. I wrote them a email letter detailing all of my complaints about everything, but disregarded my complaint and never responded to me.I would like to forward you the letter that I wrote to the GM and the  Manager of the Service Department.