WillisBack/dataset-financial-user-claim huggingface dataset:
Due to miscommunication with Ideal Image and XXXX XXXX, I was charged with deferred interest of {$1100.00} after paying my original total bill merely 8 days passed the 24 month promotional period. The deferred interest plan was not explained to me properly and the billing was very confusing. I paid above my minimum payment on time every month thinking I was ahead of schedule. Originally, I was told by XXXX XXXX   that I would be billed approximately {$140.00} per month. However, XXXX XXXX sent monthly statements with a minimum monthly payment due ranging from $ XXXX-XXXX, setting me up to fail to pay off the account on time. If I had known that I would be billed for 28 % interest on the entire balance of {$3500.00} from the start date, I would have paid off the entire balance months before the end of the promotional period. I have never encountered deferred interest promotions that ended like this one. In fact, originally I opened this account with XXXX XXXX and XXXX XXXX  in XX/XX/2013 for a different service and was billed correctly, so I paid that entire balance of {$3500.00} without any interest or deferred fee at the end. And during that time, I only paid the minimum payment due. I trusted that the second time around would be just like the first time. At least, thats what XXXX XXXX told me. Now, XXXX XXXX  says they cant help because the interest fee is through a third party. And XXXX XXXX   will only waive {$390.00}, leaving me with a balance of {$770.00} to collect additional interest until paid in full.
I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.
I paid a debt back to XXXX XXXX through Hunt and Henriques over a period of 5 years. I just received a letter stating they are filing a lawsuit against me. The original debt was XXXX according to my records, and I have paid that back, plus. On several occasions I asked for information on the original debt along with payment history. In 2016 I was given a very basic printout. I continued to make several payments until the the balance was paid. I never received mail, or telephone calls from Hunt and Henriques until I just received a legal threat. I have phone records to prove they have not contacted me by phone, and I have lived at the same address for 16 years and this is the 1st mail I received from them since the basic printout in 2016. They never contacted me regarding any balance on the debt or otherwise. I believe this collection agency is being unethical and pursing questionable tactics in regard to my account.
It was about XXXX prepaid debit card .I was so frustrated and XXXX off at the same time. It has been since XXXX wk and XXXX day. XXXX XXXX who owns XXXX debit card informed us that computer system glitch and transition failure and apologized for messed up upgrade system. Where is my {$500.00} that suppose to deposit into my XXXX card fund last Friday? I found out that my money is gone. I supppose to moved out another XXXX XXXX security deposit {$250.00}, storage, and XXXX. No money at all at my debit card. You can find on website of XXXX XXXX and will tell you what happened. There are XXXX customers file an compliant or griveance against him.
Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Diversified consultants Inc, placed a collections account on my credit from XXXX michigan when i live in XXXX   NC. The origional creditor is XXXX The date of the account is XX/XX/XXXX. The amount is {$350.00}. I informed diversified consultants that i do not live in michigan i live in NC. The name on the account is mispelled. I requested original contract with a signature so that it can easily verified as fraudulent. I have sent them a copy of my ss card as well as ID with my signatures on it to compare. They still allow this fraudulent account on my credit report knowingly attempting to collect an account that is not mine. They have yet to produce any documentation af5er receiving 3 debt validation letters from me. First letter sent certified maiXX/XX/XXXXXX/XX/XXXX Second letter sent XX/XX/XXXX Third letter sent XX/XX/XXXX. This is a fraudulent account damaging my credit!
Dear Sirs, First I do not know whether CFPB is the correct agency in the regard of the matter so I thank you in advance.

Im not an american citizen. Ive been in US for three months in XXXX in XXXX I opened a checking account in XXXX XXXX. I left there some money ( I do not remember how much, maybe XXXX $ XXXX ). Later, it has been acquired by JP Morgan Chase. 
However I received some years ago a communication that this account has been frozen after XXXX regulations and I would be supposed to fill some forms to ask the money back what I never did. 
So, I kindly ask you 1 ) If there is a procedure to get more information about ; 2 ) if there is a procedure to do it ; 3 ) who I should contact to get more information. If you need I can provide you the account number and SS number. 
Best, XXXX XXXX XXXX ( XXXXXXXXXXXX )
We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?
Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest
Back in 2007, I got a payday loan, at XXXX, in XXXX, Indiana, I paided all the installments, except for one, so they reported me to an debt agency, so ever since I didn't pay the loan last installment, I couldn't get a loan, so two years ago I paided the balance of my debt off, of {$85.00}, through my bank account, etc ... .... & Now still to this day I can't get a payday loan, because the debt agency, of XXXX, haven't fix the problem.
I was laid off from work. 
I applied and was approved for an Unemployed assistance loan from KYHC. 
On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. 

At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. 

How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? 

This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.
I 'm not certain if this is a USAA banking issue or a general banking issue, but it is an issue. I deposited a check via mobile banking on XX/XX/XXXX. I should have shredded the check right away but USAA said it could take 3 business days for them to accept the deposit. I set the check aside, then XXXX happened. On XX/XX/XXXX my husband saw the check and thought I had n't deposited it yet. He took it to a local bank and somehow it was deposited into a seldom used savings account. Neither my husband or I realized this had occurred. On XX/XX/XXXX USAA deducted the deposit that was made on XX/XX/XXXX from our account and said it was a duplicate deposit. They could n't tell me anything else, where and when the other deposit was made, etc. Of course, my first thought was that someone must have stolen the check and deposited it somewhere. I looked at the details of the XXXX other checking accounts we have and there was no duplicate deposit. I did n't think to look in that savings account as the only transactions there are automated savings deposits and we do n't even have deposit slips for it. However, to be sure I pulled up the info on all of our accounts including that one, and there it was. How it went there is still a mystery but that 's our issue. My point is that while the mistake was absolutely ours, in these days of so much theft and fraud it would have been helpful if USAA could have given us the information about the duplicate deposit - bank and date of the duplication. If it is a Federal rule to either not provide that info to USAA or to not allow USAA to provide the info to the consumer, maybe that can be changed. Thank you for considering this issue.
After sending disputesXX/XX/XXXX, as of today Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30 day regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES 1 XXXX XX/XX/XXXX unauthorized 1 XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXXunauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX-XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX-XX/XX/XXXX-XXXX-XX/XX/XXXX not mine XXXX XXXX ****XXXX   {$570.00} not mine
I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.
Citi bank had promotion of XXXX $ if I met certain criterias which I did even their rep cinfirmed it to me ( I even recorded it in my phone ) After a while I receive email that I did n't meet criteria! Not cool, obviously fraud by Citi bank! Talked to manager and just sorry.
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX  and XXXX  and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX XXXX XXXX XXXX
Ordered bank statements for XXXX-current and was not told that the grand total would be over {$400.00}. Asked for assistance and was given a {$48.00} refund as courtesy. I also asked if they could cancel the order, to which they did not reply to that request. I feel I was taken advantage of. When I called, the customer service rep told me they were all available online. Why could n't someone send me a letter or a call stating as such before charging {$430.00} to my account that had {$90.00} left in it until XX/XX/XXXX. As a mother of XXXX this is unacceptable. I informed the bank this is for court purposes, as this is needed in the upcoming modification I am doing with my ex for child support. Please help.
I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.
Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.
XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit
On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX  XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.
In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to Sallie Mae to dispute my debt. Sallie Mae stated on my credit report that the loans were written off by the government but then they were bought by XXXX and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan
On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.
This complaint is being filed against Equifax in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX for {$230.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with Equifax on four different attempts to correct their inaccuracies. However, Equifax have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. Furthermore, during my 3rd letter of dispute, Equifax failed to provide me a timely respond. Not only did they not provide me a responds with 30 to 45 days, I had to write them again to inform them that they failed to respond. Still the above mentioned accounts remain inaccurate on my credit report. These accounts do not belong to me! According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair  Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Equifax claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,