WillisBack/dataset-financial-user-claim huggingface dataset:
Received letter in mail from Bank of America that one of my credit cards with them was closed. Three reasons were listed : current or past delinquency, payment was too low, sufficient utilization of available credit. Called to discuss, verified had not been past due or made below minimum required payments. So asked what I could do and was told nothing. Asked if this card was closed for this reason why my other Bank of America card was not also closed and a reason could not be provided. Have had this card since XX/XX/2005 without issues so feel this account was unfairly closed by creditor.
XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.
My son was accepted into the XXXX XXXX of XXXX XXXX XX/XX/2009. While having visited the school, we were asked to fill out paper work and loan information. Unknowingly, I co-signed for a private loan for my son. We have since found out this is a predatory on be half of the school and should not have been. My son is now {$22000.00} in debt with the private loan alone and another {$22000.00} in debt through XXXX XXXX ( XXXX ). 
I would like this complaint to be two fold. 1 ) We would like to file the complaint about XXXX XXXX in their acquiring loans that that were deceptive and predatory2 ) And about the XXXX XXXX in it self. My son ended up having a health issue that he was asked to leave class because of the health issue that the school never compensated him for loss class time. What action can we take on his behalf? Thank you.
XXXX XXXX was charged {$490.00} XX/XX/2018 for unpaid magazine subscription she was billed {$1900.00} for unpaid magazines she gave her credit card to Interstate Recovery Service XXXX   XXXX XXXX XXXX XXXX, VA XXXX phone XXXX XXXX XXXX. 
When XXXX contacted the magazine distributors there was no outstanding charges in the amount stated by Interstate recovery. We believe that a fraud has occuredsince interstate recovery has not sent backup information supporting there charges.
I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you
The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.
The estate of XXXX XXXX my mother, I complain to your co. back in XXXX 2016 of this year on RMS, Inc. After you sent complaint to co. XXXX XXXX XXXX state he was a Sr. Execution Resolution Analyst with RMS responded to my complaint. In letter he wrote that I could get my owe appraisal if I disputed the one did in XXXX XXXX, 2016. I did the appraisal after weather got better in XXXX because of all the flooding that had been occurring. In XXXX 2016 the appraisial sent them the knew appraisal. I spoke with a XXXX XXXX around XXXX XXXX, 2016 and stated the appraisal was coming out this week on Thursday XXXX XXXX, 2016. They stated in would take awhile to get the paper work done. Well on XXXX XXXX, 2016 I call to see if they received Appraisal, XXXX XXXX said it would that 24 hour well it was 24 hrs. He stated he would call me XXXX XXXX, 2016, which did and stated they received new Appraisal. And if they needed anything else they would call me and stated this was going back to Short Sales Dept. Well today is XXXX XXXX, 2016 I get letter from lawyers stating House is going in foreclosure. Never heard anything for Short Sales or XXXX XXXX or XXXX XXXX.
I was issued student loans by Navient and did not have a parent to cosign. I instead used my grandparents, who are both unemployed. As a result, I was offered loans of XXXX %, XXXX % and XXXX %, which total {$600.00} a month in private loan payments. I was told today that I no longer qualify for XXXX on my Federal loans and I will need to pay {$290.00} a month. That brings my grand total to {$890.00} a month. I was not told that I was no longer qualified for the program, instead I had to call to find that out. The representative told me that I had to go into my inbox on the website and click " previous website '' to find that information. This is deceptive because the name of that link does not indicate you would find important documents within it. The " messages '' feature which is big and bold on the front page does not contain any pertinent information. I was told that I could put my loan into forbearance, thus racking up even more interest ( which I did in XX/XX/2016, as well as several times in the past ). This company is hindering my ability to live comfortably, start a family and buy a house. I have made every XXXX of these ludicrous payments, despite not being offered any help on how to make these loans more manageable. I believe the initial private lending practice was predatory and the federal loan process is not offering me a reasonable payment.
XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX XXXX # XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.
XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.
I made a payment over the phone for my auto loan on the day the payment was due and I was assured that the late payment would report as paid on time. The payment was never 30 days late and its been reporting as late since XX/XX/2014.
I have cintacted this company several times my purse id insurence cards all was stolden they are nastu and refuse to remove the fraud accounts
I have Transunion 's TrueIdentity  and have requested multiple times for them to stop contacting me with promotional items, on line and over the phone, several times. The company refused to stop contacting me and is of absolutely no assistance in the matter. To make matters worse, the promotional emails contain a link to unsubscribe, which I have done and yet it does not work. The promotional emails also say you can log into your account and change your user preferences, which I have done and yet it also does not work. On top of this, I have called Transunion several times to request them to stop the emails, but they say they are unable to help me. They said I need to get on the Consumer Credit Industry opt out program, but I am already on that list. 
I highly suspect they are unwilling to help me, and this whole process my be illegal. Please investigate the this matter. It's just incredibly rude & possibly illegal. Thank you
I have recently started learning about credit, so I made a XXXX XXXX   account. There I saw a list of collection accounts that I have no knowledge of. 

I fear that I may be victim of identity theft.
complaint against Citimortgage , Inc who refused to give me a fair appeal process after loan modification denial. Citimortgage sent notification to me on XXXX/XXXX/16 stating all foreclosure activity would be stopped until determination was made on my loan modification request. Short Sale was scheduled for XXXX/XXXX/16. No call nor notification was received from Citimortgage, nor my Citi mortgage rep, Nor Citi 's lawyer to state the short sale was stopped. My personal rep kept calling Citimortgage for 3 days with no avail ; finally, on XXXX/XXXX/16 after calling Citi for XXXX hours she finally spoke to a manager to ask about the stop of the short sale, noone could give and answer. I had to take a day off from work to personally go to the sheriff dept to adjourn the short sale on XXXX/XXXX/16. Later, my rep got another manager who said the loan modification was denied. My personal rep requested the denial letter and the terms for the appeal process. She was told the denial was not generated from the system as yet and noone know what the letter states. We had to wait for the denial letter. She made an appointment to speak with the Citi rep handling my file who took 2 days to have a phone conversation in regards to a sensitive matter. On XXXX/XXXX/16 my personal rep spoke to my citi rep who would not give a reason for the denial, since the denial letter had not been received. She also request the appeal process guideline requirements and questioned Citi as to why the short sale wasnt stopped during the review process. She was simple told the Citi will not stop the sale. The same evening of XXXX/XXXX/16 my Citi mortgage assistant rep XXXX XXXX sent me an email ( after normal business hours ) requesting additional documentation, pay stubs, etc, to be submitted to the underwriters because of the impending sale date. I was asked to upload all requested documents to my file by XXXX/XXXX/16. Giving only a few hours to turn in documents for a appeal. The original denial letter was now received on XXXX/XXXX/16 which states my income wasnt enough to modify. However, the income stated as documented was only XXXX of my actual income and my rental income was n't considered.. On XXXX/XXXX/16 I received a letter dated XXXX/XXXX/16 saying all my documents are in review. I 'm not sure if the letter is based on the new documents requested in the unfair appeal timeline or an generically generated letter. This has been an extremely extremely stressful process with Citimortgage and their process that cause undue stress on me and my family..
I apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX JXXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX
XXXX, My name is XXXX XXXX. I have been with Navient, I dont know how long my loans just seem to get passed around different companies over the years ( since XXXX ) only known via a new letter from a new company saying they are handling my loan. I have been working for and aiming to have my loans forgiven as I work for XXXX ( since XXXX ). I have had breaks but continue to maintain going full time college to complete my degrees and maintain my loans in Income Based Repayment. I have had different occasions in which I have called for assistance with my loans, such a time period of XXXX to XXXX where I was XXXX and withdrew from school to maintain IBR and requested to not be put in forebarence. I have recently learned that my account was in forebarence almost a year, and these months do not count towards my student loan forgiveness. I have made very clear to the multiple lenders who have serviced my loan what my intentions, expectations, and requests are regarding my loans. Navient has handled all of my student loans since XXXX. I have made contact and was informed by Navient customer service - '' oops, we shouldnt have done that if you requested it, but it only accured interest, we cant reverse that ''. I have multiple times requested that there be NO deferment put on on my account and I be in income based repayment while attending college f/t. I have spoken multiple times with Navient customer service who continue to tell me my account has been in deferment for over a year, however they will correct this ( three cust service reps said they will reverse this deferment since XXXX to XXXXXX/XX/XXXX). It is time for my annual IBR recertification, I received numerous emails telling me to login to Navient to complete this. I have logged in however as simple as the layout of the website is, there is no message or direction regarding my requests. I just called Navient for guidance and was assisted to the studentloan.gov site to complete annual re certification and she also informed me that my loans continue to be in deferment as I am in full time college. I once again, explained my intentions, expectation, and requests regarding the servicing of my loan. I have been working for XXXX and XXXX XXXX for numerous year. I have an expectations that my loan servicer is honoring my wishes in how they service my loan as my requests are within my right. I am utterly frustrated and overwhelmed with Navient attempts to hinder my progress in loan forgiveness and repayment affairs, in a manner that adds ridiculous amounts of interest where this too should not be. I will be absolutely devastated if all my months of public service are not counted towards my student loan forgiveness as explained and requested that Navient handle my loan in this manner. they have not been honoring my rights and seem to encourage my account to their financial benefit against my wishes. Sincerely, XXXX XXXX
On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.
My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened
Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i  am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.
XXXX. XXXX I received a call for a late payment on a credit Card opened In XX/XX/XXXX, this was not my card. I have never used it or made a payment on it. It was used by my Daughter. I ask for all copies of their papers and they DId n't send anything. I fill ed out their fraud papers And they removed it from my credit reports. after a Few months they put it back. and stopped calling. 
Until XX/XX/XXXX when the payment s stopped I am retired and live on my social security.please Help. 


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