WillisBack/dataset-financial-user-claim huggingface dataset:
I " was '' attending XXXX. They recently dropped me from the classes implying I was n't showing up for class. I explained to the dean way before classes started, that I could n't go due the my personal issues, so I would like to take online classes. The School moved in XXXX XXXX 2015 from a half hour from my home to XXXX hour from my home. Giving all students 4 days notice of the school moving. my classes would not show online then they accused me of not going to class at all. I sent several emails asking for my transcripts and a policy but I have never received the policy on drooping students. I never received my transcripts be cause they told me a month later I owe a balance which was not brought to my attention until I wanted to retrieve the documents. I was told I would graduate and earn a good paying job but no one wanted to even look at my resume when I explained I am in XXXX School. Not even for an XXXX. I am embarrassed and broke ( debt wise ) I returning to a XXXX college to receive the recognition I need to proceed in life. I had made some mistakes in life not knowing what career field to get into but I certainly made a big mistake when I went back to XXXX.
I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.
During XX/XX/XXXX, Nationstar Mortgage advised me to let my mortgage payments fall behind 4 months so that they could help me with a modification. The home was purchased in XX/XX/XXXX and our mortgage was transferred 2 times before Nationstar became the company that serviced our mortgage. In XX/XX/XXXX, my husband was unable to work any longer due to a XXXX XXXX. We were forced to use Nationstar for a modification loan to keep our home. At that time we were advised to not make payments so that we would qualify for a modification. We chose to file bankruptcy chapter XXXX in XX/XX/XXXX but did not include our home. Nationstar would let our paperwork " expire '' and then tell us they were foreclosing and then we would submit mod paperwork again and the cycle continued for 2 years. We now have an outrageous house payment and they inflated our payoff saying that they had to add back the past due balance and to get our payment lower we had to go for 40 years. We have had nothing but trouble with this company and they make it almost impossible to refinance or sell without losing money. They take advantage of people especially if they are in a tough financial situation. Nationstar is a predatory loan company. We are now upside down in our loan and probably will never have any equity in it. Stay far, far away from Nationstar Mortgage. If that is your only option to purchase a home, then wait until you find another lender. They will ruin your credit and any chances to ever buy another home.
I filed a previous complaint with CFPB a few weeks ago regarding my student loan that was transferred servicers from XXXX to XXXX. I had a loan modification several years ago through XXXX XXXX. My interest rate was reduced to 0 %. When my loan servicer was changed from XXXX to XXXX, my interest rate increased to 1 %. I filed the complain with CFPB, XXXX came back and said that there was an issue and all loans that were at 0 % increased to 1 % but that this issue has since been resolved. They said that my interest rate was back at 0 % and the issue has been resolved but I went on their website just now and my interest rate is still listed as 1 %. In addition, my payment history shows money applied to interest.
I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. 

Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.
I disputed transactions thet were credited back to my account and the rep did not cancel my card afterward. my account was left open and incurred more fraudulent charges that were credited back to my account recently and now i still cant use my card because Capital One has not taken the hold off of my available credit limit. 
This has been over a week since credit was applied to my account and I am needing to use my credit card. I am not supposed to be held liable for these transactions and that is what is happening. I already have replacement card i just the hold released so that i can use my available credit.
I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XX/XX/XXXX and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer. This seems to be a bait and switch situation in my opinion.
I have been writing letters to this company for m ore than two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment history, proof of agreement which bears the signature of the alleged debtor showing that there had been an agreement to pay the original balance, letter of sale or assignment  from the original creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. 
I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. 
I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.
I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open account.
Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. 

XXXX Hospital Billing still reported me to the Collections. 

I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. 

I refused as I have proof of payment. 

I called the XXXX Billing again and reported the discrepancy few weeks ago. 

I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.
Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.
I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years.
Called me, and co-workers 3 times at work after being specifically told to NOT call, my work place, all 3 times threatening to take legal action, and stated a " case '' number. Meanwhile, they have never even identified a " debt '' I supposedly owe OR the actual reason they are contacting me at all. XXXX violations at least, + left voicemail message on work phone threatening legal action. Spoke to XXXX XXXX @ XXXX XXXX/XXXX/16, and XXXX XXXX XXXX senior rep '' @ XXXX XXXX/XXXX/16, who started yelling at me on my work phone threatening to sue me. I will be suing them in small claims court for {$1000.00} per violation.
My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments. 
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function. 
Neither Customer service or IT service are able to assist me. 
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.
My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?
Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.
Equifax reports incorrect low scores impeding my ability to get a mortgage. They did the same thing to my father who has an XXXX credit score. They refuse to fix the issue and in turn are affecting peoples lives.
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX Equifax and XXXX. I listed the accounts I had a problem with. 
1.XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XX/XX/XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX/XXXX same people I was in a XXXX in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XX/XX/XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
On my auto loan at 24.99 % interest the portion of the monthly payments starting XX/XX/XXXX applied to the principal has been significantly lower and inconsistent as to the amount applied to interest. For instance the total of payments through XX/XX/XXXX has been {$12000.00}, but just {$1300.00} has been applied toward the principal ( ~11 % ). XXXX is still owed vs the original load amount of {$19000.00}. The reason ( s ) for this was discussed with the lender CrediAuto USA Financial. Their response to this condition was due to missing, late or partial payments as well as a repossession which has since been paid and taken care of.
Checked my Equifax credit report and found inaccurate information that I wanted to dispute. I called the company that is filing the correct information and started getting things covered on that end and they're trying to take care of it, but I also wanted to submit a dispute with the credit reporting agency to make them aware from my end as well. However, they direct you to the website - https : //www.ai.equifax.com/ - to submit a report. This website does not load, just states " please wait for website to load '' and after 15 minutes in XXXX XXXX, XXXX, or XXXX, it did not load. There is no other way given to report a dispute. When a credit report can affect your ability to get a job, a place to live, or basically any aspect of life not being able to correct inaccuracies can have a devastating effect on people 's lives. I would like to report equifax for this issue, as well as would like to be contacted with another way to file the dispute.
I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but Transunion and XXXX have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.
I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this please help!
I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.
Today I received an alert that XXXX had performed a credit inquiry on me. I did not authorize this, nor did I give them any info. Transunion should have blocked this as I have a credit lock that I am paying for monthly and there is a note on my account as there has been fraud before. Transunion did not live up to the obligation to protect my identity that they are charging me monthly for. This has negatively impacted my report and I am trying to secure a mortgage so I know I did not ask for this international online home furnishings credit
RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. 
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.

Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. 
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. 
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.

I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.
For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!