WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once m, not twice.
I filed a complaint before in regards to this company, Western control services served the wrong address, the wrong person and I have never even been given copies of the service, I have never even heard of the person that was served and I told them about this, I called them after getting the paperwork sent to my job for verification of debt and tried to set up a payment plan with them, they asked me to send them copies of my bank statements so they can review and set something up with me, I called them and left a few messages for return call after I faxed my statements and got nothing in response, then today I came into work and got my check and am now being garnished for over 700 a month. I am a single father with XXXX children and XXXX has a XXXX that we deal with daily. I cant even afford my rent because of this garnishment. The service of the paperwork from the beginning was incorrect, I told them this and still they have ignored the mistake on their part, they have committed multiple FDCPA violations when I did call in to them, No Mini Miranda was given to me by XXXX different people I spoke too, proper verification was not completed either when I called in and they just went into the call with me. I am asking and begging for help from someone.
I lived in an XXXX XXXX XXXX XXXX  Apartment for 3 years. All 36 rental payments were submitted on time. After I moved out they submitted a disputed amount, without contacting me at my then-current address, to a collection agency. The matter has been resolved with the agency - which never reported the account to any credit bureau/agency and which processed this payment before a bill was mailed - however XXXX ( Corporate Address : XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  ) did not remove the disputed information from my Trans Union credit report. Instead they changed the status to Account paid in full ; was a Collection. The account should be reflected as closed onXX/XX/2018, the date closed is XX/XX/2018, instead it reflects an " Open Account '' status and a collection in XX/XX/2018. This one report from XXXX XXXX  has taken my credit score from XXXX ( high ) to XXXX ( current ) in less than 60 days. If my credit had not already been exceptional, this would be a devastating and highly punitive action. I hope that the reason that XXXX is not removing this information is not due to my complaints about toxic mold and a large hole in the ceiling during my move out inspection. I have now contacted attorneys about their failure to return my deposit, despite extensive pre-existing damage to the apartment.
I had a total of 6 accounts with Bank of America and have been a customer for over 10 years. On Tuesday XXXX XXXX, 2017, at  approximately XXXX, I was in XXXX getting groceries, household items, and the last of my kids school supplies. When I inserted my card for payment, my card declined. I contacted Bank of America, where I was informed that all of my accounts are frozen and that it would be approximately 2 weeks before I receive cashiers checks in the mail. I have NO cash or access to any of my funds. What 's heartbreaking is that I 'm the mother of XXXX children, XXXX of which will be turning XXXX on XXXX. She is an AMAZING young lady who has maintained a G.P.A between a XXXX and a XXXX her entire academic life and never asks for too much. All she wanted was a birthday party for her XXXX, which is now compromised due to Bank of America 's " business decision '' to terminate their relationship with me as a long time customer. I 'm a wreck and not sure what to do, but figured this would be a great place to start. I want to add that they also informed me that notifications were sent out regarding the closing of my accounts, but I only received the one about the credit card account being closed. At that time, I paid the balance and disposed of the card. I had no idea that they would be freezing ALL of my accounts and I would be denied access. Thank you so very much for this service where consumers are able to at least voice their concerns and issues against such giants like federal banks. I currently have a 3 checking accounts and 2 savings. My daughter 's account has approximately {$230.00}. My primary savings has approximately {$37000.00} ( give or take ). My secondary checking has approximately {$300.00}. Savings approximately {$190.00} and second savings approximately {$10.00}. I may have another account that 's not very active and I 'm uncertain of the balance. Thanks again.
My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.
On or about XX/XX/2016, XXXX XXXX XXXX. submitted an outstanding balance of {$7000.00} to Equifax claiming that I have purchased goods from XXXX XXXX and have refused to pay it back. I contacted them several times to show me receipts and evidence that I have in fact made these purchases but they refused to do so. I told them repeatedly that I did not make these purchases but they insisted that I am responsible no matter what. I know they are a collection agency. I have contacted Equifax numerous times disputing these charges but they continue to claim these are my charges without providing any proof. If anyone has dealt directly with Equifax, can appreciate my frustrations. Most of their agents dont speak English well enough to comprehend the issues. They should not ruin ones credit with thorough investigation and documentation. I took it upon myself and found out who used my account number and filed a legal claim and have a judgment against her that I have tried to share with both Equifax and XXXX XXXX but they simply dont care and dont care how their lack of proper investigation and inaccurate reporting hurt people like me. I have my best to resolve this but are of options and can not afford legal fees to seek justice.
I continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.
myself and discover credit services had an agreement that I would pay {$76.00} a month till my account was paid down. This amount was automatically withdrawn from my account each month excluding one error on Discover Banks side. I cancelled two payments with Discover for the {$76.00} because the amount had already been paid prior to the due date this last month/ end of XXXX. Early XXXX I paid off my account. I then go to check my account and I see that my statement this month I have {$76.00} in fees. I was charged a late payment fee and a returned check fee for a cancelled payment. that was never supposed to post. Both confusing to me I contacted Discover and they list no explanation. The worst part of this is I spoke with Discover last week when making payments and they told me I would have no issues. Now I get a {$37.00} fee for not making my full minimum due even though I paid above the agreed amount. In fact I was less than {$25.00} short of the minimum payment and no one ever mentioned I needed to pay the final amount or I would be charged a fee. In fact I stayed on the phone for an extended span of time so I would n't be charged a fee.
First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.
I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.
I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).
I was out of town camping and when I returned I noticed over XXXX dollars had been debited from my account. When speaking to a representative I also found they had tried to get even more but were unable too. I filed my claim and was told the money would be returned. After the money had not been I called back ( 4 separate times ) and was unable to get ahold of the person responsible for making the determination and couldnt even get a reason why the claim had been denied. I was finally told to leave XXXX a voicemail and wait 1-2 days and she would call me back. After being five to  the runaround I have no faith in Navy Federal Credit union and I will definitely be switching banks.
On XXXX XXXX I checked my credit report and all of the inquires were deleted and i checked my credit report today and my score went down.
Received notification that a new account was reported to my XXXXn credit report on XXXX/17 XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called XXXX on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
I have 3 public records listed on me credit report with XXXX. I have requested that information be verified that it belongs to me. After multiple reply from XXXX indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. XXXX has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of XXXX has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
I have been having various issues with my lender, to the point hearing the word " Discover '' makes me want to cry. To start, when my rate changes, it is a vague e-mail in my account inbox. It will not state which of my three loans increased, what the rate change was, when the rate change date was to ensure I was notified within the regulatory requirement, no information at all. I have been told I can call to find out, and then when I do ... I have asked what my minimum payment change would be and the representatives tell me their systems can not figure that out until the new payment is due, and they have no way of telling me. I feel like I should be given all of the information so I can budget accordingly to ensure I can pay. I have used the online calculator for how interest is charged to me, and come up with a different calculation then my statement shows. I called them to discuss that my math was different than theirs and based off of my statement. I was then told it 's based off of their amortization schedule that they do not provide unless called and asked for ... If I did not work with regulatory criteria in my career, I would not even know what they were talking about. I feel like this is unfair and deceptive to borrowers. Nowhere on my monthly statements does, not in any fine print, does it disclose that my interest is not calculated by the interest on my statement, and that it would vary based on this amortization schedule. I know, legally, they have to explain this. They make it extremely difficult to figure out how monthly payments are applied. I will schedule a payment, and then it will no reflect as scheduled on their website days later. I will schedule again, thinking maybe I did n't hit submit ... and then days after the due date, I have been double charged. Then it takes a week to have a payment reversed. I called today, XX/XX/17 because I scheduled a payment last week and it is not reflecting on the site that I did. In the past I was told that maybe MY computer, and not their systems had the issue. So I am not double charged I called Discover to figure this out ... and the representative told me to wait until 48 hours after my due date to schedule to prevent a possible double charge .... so I have to possibly hurt my credit and incrue two more days of daily interest so that I wo n't be unfairly double charged. I am currently being told they can not confirm if the payment that I scheduled will be applied or not. Finally, the customer service here is awful. When I try to work with them they are completely inappropriate. If I threaten to report them I get, " well go ahead '' .... After years of this treatment, and very abusive, deceptive, and unfair acts and treatment, I cringe to give them {$1.00} of my hard earned money. The payments are more basically a mortgage payment. I am working so hard to pay timely and work with them, but at this point I feel like they have got to be completely acting illegally to their borrowers. Please help!
My loans are double what they were when I started. As well as this, they said I was not able to do the income based repayment. I make so little money compared to what I owe, and what the want monthly is over half of what I make. I do not know how they expect me to pay it, and they wo n't work with me. I told them every time, I want to pay you, but I can not afford what you are asking for. I sent in pay statements to prove to them that I could not make those payments, and they still would n't help me.
I sent a letter by certified mail to TRANSUNION on XX/XX/2018, challenging the accuracy, compliance, and reportability of a listing - XXXX XXXX XXXX XXXX, filed under my social security number per the FCRA section 611 ( a ) ( 1 ) ( A ).

In my letter, I asked that TRANSUNION validate the information and provide me with copies of any documentation associated with this account, bearing my signature. 

A representative from TRANSUNION signed for the letter on XX/XX/2018, at XXXXXXXX XXXX and on XX/XX/2018, I received correspondence from TRANSUNION stating that the account was UPDATED. However, TRANSUNION did not send me any information to validate the accuracy of the account. 

On XX/XX/2018, I sent another letter by certified mail to TRANSUNION which was signed for on XX/XX/2018, at XXXXXXXX XXXX This time I requested from a description of the procedure used to verify the accurateness and completeness of the information, as well as the name, address and phone number of each person contacted regarding this alleged account per the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I asked for any documentation baring my signature, showing I had a legally binding contractual obligation to pay the amount which is claimed I owe to XXXX XXXX XXXX XXXX, in which they had 15 days to respond. 

I was then sent correspondence from TRANSUNION on XX/XX/2018, ( 10 days late ) stating the account in question was " verified as accurate '' with none of the supporting documentation I requested for. 

I also informed TRANSUNION dependent upon their response I would be filing formal complaints with the : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX,
My balance was under {$50.00} and they added charges totaling over {$500.00}
Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help. 
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!
Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!
I was sent a solicitation from Chase Cardmember Services to apply for a Mileage Plus VISA in XXXX 2015. The solicitation offered a XXXX mile {$0.00} fee first year and some additional inducements to apply and make charges of {$3000.00} within first 3 months. I applied via the website and was approved shortly thereafter. 

When I called to activate the card, I reviewed the offer and found they bait and switched me to a XXXX mile with {$1000.00} in first 3 months offer. I said, no, I responded, landed on page and applied under the XXXX mile offer which they initiated. The agent I spoke to said " I will put you in for the offer, must have been a mistake '' Now, I receive a letter which said the " offer '' ended XXXX XXXX, 2015. This is a classic and habitual bait and switch. Probably hope that no one would complain but I 've been in this situation before. How could their " XXXX offer '' which I received and sent end on XXXX XXXX, 2015? Why did they not notify, sorry this is not accurate when applying. I demand they honor their initial offer, this is very shady practices and should be noted as a possible habitual offense. 

Thank you, XXXX XXXX