WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX in order to pay off an outstanding balance on a credit card that had been charged off and was instructed to work with XXXX XXXX 's attorney. I spoke with them and they offered to settle the account and mark it as paid on my credit report and remove an associated judgement. I made the payment and now they are not changing the balance owed on my credit report. I have the offer letter and a copy of my receipt so the balance should be changed to {$0.00} and the utilization percentage on my credit report should also be changed to {$0.00}. I disputed the amount on my credit report and they reported that the balance is correct, which is untrue. I believe their actions are at least unethical, if not illegal.
I am unsure what kind of debt this is as I am being repeatedly called as a reference to my sister. I received XXXX such messages yesterday from a company called CCBA, which stated they were calling about a case which was filed in reference to my sister, and they needed a statement about my involvement. Such scare tactics are illegal and I had previously asked them not to call me. They are not allowed to imply they are law enforcement. When I called back I asked to speak to a supervisor, he denied the behavior and stated he would get the recording to prove it. I was never advised my call would be recorded which is also illegal.
I opened up an account with Home Depot. Made a large purchase. Home Depot wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to Home Depot they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.
XXXX XXXX XXXX IS REPORTING LATE PAYMENTS ON MY MORTGAGE/ CREDIT REPORT. THIS MORTGAGE WAS UNDER A MODIFICATION DURING THIS TIME, THERE SHOULD NOT HAVE BEEN ANY LATES REPORTING
I have a checking account with Wells Fargo. During the entire time I had the account I had a {$300.00} bounce protection limit. They would always pay items to that amount. On XXXX a check was submitted for {$160.00} and one for {$30.00}. At this time the account had a balance of around - {$20.00}. Based on previous experience I expected these items to be paid and be charged two {$35.00} fees. The two items were rejected and submitted back as NSF. In addition to the items being returned I was charged 2 {$35.00} fees. As expected the items were reran again and submitted for payment 2 days later on XXXX. At this time the account was about - {$70.00}. Oddly enough the checks went through this time and again I was charged 2 {$35.00} fees. 

I emailed Wells Fargo through their online customer service. I asked that they refund {$70.00} worth of fees. I was responded to saying that they would not refund the fees. I responded and told them I would open a CFPB complaint and they transferred me to their Executive Office and a rep from that office took my call. Again they could n't explain to me the reason for the above scenario and refused to refund the {$70.00} in fees. I was then contacted by Wells Fargo a few days later in response to a negative balance in the checking account. I told them I was still waiting for an acceptable response to the above scenario and they transferred me to a customer service rep that again could n't fully explain and refused to refund {$70.00} in fees. 

So I am at the last resort of reaching out to you, and hopefully will prevent future customers of Wells Fargo to get the same treatment. Why can they change their rules and reject two items that would have always been paid before, charge the {$70.00} in fees, and then two days later charge another {$70.00} in fees when the items are resent and actually pay them this time when the account was even more negative then before. Why were n't they paid the first time then? Was Wells Fargo very much aware that the items would be resubmitted again a few days later and they were looking to optimize fee income? All I asked them was to refund one set of {$70.00} in fees.
Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my Transunion Credit Report as well as my XXXX  Credit Report due to being established through identity theft. This account who should have blocked upon Transunion and XXXX receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX  which is now reappearing on my Transunion and XXXX  Credit Report. Both Transunion and XXXX  are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report.
This account was paid in full on XX/XX/18 for XXXX check number XXXX
The debt is a result of a judgement found against me during eviction proceedings. However, the collection company is attempting to collect over XXXX the amount of the judgement. The bill I was sent includes charges specifically prohibited by Texas Law. I believe that it is illegal for them to send me a bill for items prohibited by law.
I called and told them I was on bankruptcy to call my attorney then I called them again to tell them I was discharged and they still wont remove please help there XXXX accounts first XXXX is XXXX subcode XXXX SECOND IS XXXX SUBCODE XXXX
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called XXXX who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
On XXXX XXXX, I opened a citibank gold check account, per advertisement from citibank, I will receive XXXX thank you points after I fulfill the following requirements Do one bill pay in two consecutive months, as described above for the ThankYou Requirement. 
Make {$1000.00} in debit card purchases with the Citi debit card. This requirement must be met within 60-days as well. 
I have fulfilled those requirements on XXXX, XXXX, after that, I have contact citibank multiple times to confirm the offer, every time, I was told by citibank that I have fulfilled the requirements and the points will be posted by XXXX XXXX. 
XX/XX/XXXX, those points still have not bee posted, I have submitted XXXX cases ( XXXX. ) to Citibank, to my surprise, the letter from citibank stated that I am not going to receive the point because " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account ; To me, this does not make sense because 1. I still have the screenshot of the application page which shows that I will receive the XXXX thank you points, which can prove that the statement is not true & quot ;, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. & quot ; 2. In the last few month, I have been confirmed by multiple customer representative that I am eligible for the offer and have fulfilled the requirement, I should receive the points on XX/XX/XXXX. Citibank can confirm that by looking into my previous chat history. 

As a long time loyal citibank customer, I am very frustrated with this experience. This checking account has monthly fee of {$30.00}, I would not open this account without the bonus offer Thank you
In 2010 I requested a modification and was denied at that time my payment was XXXX at that time my husband and I borrowers fromOf 401k so we would not lose our home. Luckily the mortgage payment has went down. But once rates go up I willLose my home. I have a interest only arm rate with chase mortgage. I have a mortgage in Ga for a home we bought for XXXX interest only no money down. It 's not a XXXX XXXX or XXXX XXXX loan. Harp could not help. Hope could not help!!! Manager at chase mortgage XXXX XXXX could not help! After buy the house we consolidated all our debit into a second mortgage for XXXX ( I was able to refi this loan for a fixed rate at 5 %. We have called and applied to our mortgage company during hardship times for help but they told is we would have to miss payments to get anyone toLook at our loan. We have borrowed money fromOur 401k so we could make our payments. We believe that people should not walk fromHomes and work XXXX jobs if they have too. Because maybe we are old fashion but it 's wrong to walk from a home. All we want is some help!!! A fixed rate!!! Our value on our home is XXXX harp said if we had XXXX cash and saboritated the XXXX we could get fix rate but our mortgage payment would go up!! 

Any ideas and one I can call for help???? 
I believe it 's in the best interest for Chase mortgage to reduce our mortgage value to XXXX and give us a fixed 30 year mortgage. So we can keep our home! 
XXXX
EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.
If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. 
I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. 
Thank You!
Dear Sir/Madam, Inreference to complaint ID XXXX The XXXX XXXX XXXX wakefield & associates or XXXX XXXX XXXX wakefield & associates as they call themselves claim they were not paid by my insurance for services they rendered to me in 2016.They falsified the amount of money they claim i owe them and reported false dates services were rendered.The current owner of XXXX XXXX is a XXXX XXXX and all those who work for him at every XXXX XXXX are his XXXX   XXXX.It might sound crazy and unbelievable but if you try to find out if it is the truth you will find no lie about it.They tried me to be a XXXX XXXX but it has never worked and it will never work.They are not quitting on me and i will never give in to be a XXXX XXXX.placing false debt collection accounts on my credit history is another alternative means to put me into a mess and try to me make me a XXXX XXXX. 
I tried to upload my proof of payment from my insurance company on XXXX so that XXXX can dispute the debt collection accounts placed on my credit history but it could not work.I currently don't have money to mail my proof of payment document to XXXX.Mailing and uploading is the only way acceptable to submit any dispute supporting document.Here is a detailed summary of my claims history summary report ( proof of payment ) from my insurance : Dos refers to dates when services were rendered Status refers to dates when they were paid Billed amount refers to how much they charged Adjusted amount refers to reduction money with medicaid Allowed amount refers to how much they were paid after a reduction with Medicaid Paid amount refers to how much they were paid.
I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX
I opened an account at Chase Bank back in X/2016 and immediately started having problems with them. I made a deposit of XXXX which XXXX is owe to me from my accounts. I have been more than patient on waiting to be credit to me from this bank and still nothing till today.I am requesting a thoural investigation of this account has it had been tampered with by branch personnel employees. I had several different accounts where is my Chase Liquid Account balance
I was recently contacted by a collection agency. 

I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. 

They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. 

They need to stop this trolling behavior. 

What can your organization do to help?
Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.
The Credit Reporting company, XXXX XXXX XXXX ( XXXX ) credit card services, intentionally reported my payment status to credit bureaus as 'Unknown ' rather than PAID ; Simultaneously, said bank intentionally removed the value of the subject credit card 's 'revolving credit limit ' thereby 'Negatively decreasing my Credit Score '. These simultaneous negative Credit Card reporting actions by XXXX created an 'illusion whereby any revolving credit usage on behalf of the consumer would provide false percentage of total usage '. The above-mentioned 'diabolical scheme ' surfaced when the consumer PAID IN FULL the balance of XXXX Credit Card nearest the statement cycle closing date and the consumer did not opt to use XXXX 's offer of free FICO Score services. XXXX reported the consumer 's credit card as OPEN with zero balance while 'knowingly removing the revolving credit limit field and while changing the Staus-Field of the credit reporting to 'Unknown ' ; This field had always been reflected as PAID by XXXX as the consumer was NEVER LATE.
Hello My name is XXXX XXXX and I have a XXXX XXXX XXXX XXXX through Santander Consumer USA. I got the truck back in XXXX and had some financial hardship when my got sick and had to stop working. The vehicle was repossessed but they gave me ten days to get it back. They told that if I paid the past due balance that I could get it back in good standing so that 's what I did. This past XX/XX/XXXX I was trying to purchase a home when I found out that they charged off on the loan and wrote it off as a bad debt. The truck is still in my possession and I 'm making payments on it.
I received a letter from Bank of America stating that they are closing my checking and savings accounts in 30 days. They will not provide me with any information as to why this is happening. I have had the accounts for more than two years and have always been in good standing with BoA. I have called the number on the notice and no one will help me. I know I am being treated unfairly, and I want answers
I am not sure how this all works at all!!!!! This is the XXXX that I have ever checked my credit report at all. I have noticed that there is a lot wrong with it. and that is someone using my name and social security number. and as far I can tell it has started in 2008. Now I noticed that they have duplicated addresses on the reports, which it makes look like I move around a lot. also on XXXX report it has like XXXX phone numbers which some of them I 've never heard of myself. My concern is, is that there is someone using my personal information cause of some addresses on here that I have never live at in my life. and at the of them being on my report ( stating on report ) I was living in a whole different state at the time. I need to find someone to help me fix this & all this right on my credit report so I can find an apartment where I do live, which is Massachusetts. I would also like to get the person who is using my identity into trouble, cause this is not fair to fair to me at all for what they are doing, they are ruining my life, making it very difficult to get an apartment where I live or even open a credit card. I also would like to dispute the XXXX account that is on transunion report & then XXXX report has XXXX XXXX XXXX which I 've never heard of neither. so I need help disputing them please. there are on there also that I ca n't make out cause I did not get my full complete credit report that I was promised thru annual credit. com. so I guess I 've got to try to contact them & see they will give it to me. I also thought there was XXXX credit reports that was suppose to get from. but I only I received from XXXX, so what do I and where do I go from here???? please contact me.
When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.
I submitted an online request for car loan rates from lendingtree.com. Through the course of submitting my information, I was asked for the last " XXXX '' digits of my social security number for verification purposes. Then, on the final screen of the online request form I was asked for my entire social security number. After submitting my request, in the " fine writing '' at the bottom of the web screen it states that some of the lenders will perform " hard pulls '' of my credit to verify their quotes. 

I immediately called lending tree to ask that my application be canceled. I was told by lending tree that my request had been canceled and no lenders would pull my credit. 

I was not explicitly told, via their web intake forms, that " hard pulls '' would be performed on my credit. There are other sites like XXXX XXXX, that provide quotes for prospective borrowers, based on the information submitted. However, to verify the exact loan amount obviously a " hard pull '' would have to be performed and income verified if one chose to move forward with the loan. 

After getting off the phone with the agent I began receiving phone calls and emails from prospective lender. XXXX is one such lender, that verified that my credit " had '' been pulled in order to provide me the loan and rate they provided. 

I think lendingtree.com 's practices were misleading and predatory. If they intended to perform a " hard pull '' of a prospective users credit, I believe they should have explicitly stated that as opposed to burying this information in the fine print of their web browser that is only legible " after '' a user has submitted their information. Consumers are right to try to protect their credit scores. Those of us that are informed understand that multiple " hard pulls '' on our credit has negative ramifications. 

I think lendingtree 's practices show that they are not concerned with protecting consumer 's rights but only with maximizing their potential for increased profits, by providing lenders with the maximum number of potential leads as is possible. I was mislead by the customer representative agent, that told me that my account would be canceled and no lenders would perform " hard pulls '' on my credit report. She blatantly lied. As an agent, I am sure she was aware that as soon as I hit " send '' my information would be blasted to potential lenders. 

As opposed to apologizing for her companies failure to explicitly inform me that a " hard pull '' had been performed, she lied to me and told me that " no lenders would perform hard pulls '' and that my account would be closed, so that no lenders would have the opportunity to access my information. The fact that she lied to me makes me furious. I have attached a copy of my credit score that was pulled by XXXX of the lenders. Consumer finance companies have engaged in deceptive practices for a long time. I may be XXXX person but I hope that you look into this matter and stop lendingtree.com from continuing to perform in this manner. 

Thank You
Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.
Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.
I tried yesterday and today to place a 90 day credit alert on Equifax 's website after their lax cybersecurity processes distributed my private information to hackers. Their website just does NOT work! It keeps saying they have a system problem. This is unacceptable. When can I become part of a class action lawsuit against Equifax? The XXXX and XXXX sites work fine.
XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me