WillisBack/dataset-financial-user-claim huggingface dataset:
I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no reason.
In XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called Discover and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Capital one auto has been reporting incorrect information on my credit report sense XXXX of 2016 and still until this day it is still reporting repossession and account is closed yet and still I have been paying the car payment every month until this day and I went to by a home and because of what they are reporting costed the lender to reject my loan after it was pre-approved can I sue capital one for damages.
Accelerated Receivables out of Florida keeps calling to collect some type of debt and are looking for personal information as to address social security number and never say who they are representing and refuse to give any information and as well I refuse to give them any information - these folks are the ones calling and have information but will not share it and as well I will not share with them. 

Accelerated receivables / XXXX, FL /XXXX
This complaint is against Equifax for illegally reinserting negative information on my credit report. 

A couple of months ago, I started disputing some inaccurate pieces of information that were showing up on my Equifax file. One of these small details was related to a wrong reporting date on a XXXX credit card account that I felt should have been updated. 

The account number for the account is : XXXX Until recently, this account was reporting with a XXXX balance due on my credit report. After Equifax received my disputes, they started reporting a negative balance of {$1400.00} on my credit for no reason at all! For years, this account had been reporting as paid and settled with Equifax. 

Equifax has no right or reasoning to suddenly place a large balance on one of my settled accounts without any explanation. 

To facilitate the CFPB 's investigation, I am including screenshots from XXXX XX/XX/2016 credit reports that showed Equifax was reporting a " XXXX '' balance on my XXXX account. I am also including a screenshot from a recent report which shows how Equifax has suddenly inserted the {$1400.00} balance. As you can see, a large balance was placed on my credit from one report to the next. This is wrong. 

I called XXXX to see if maybe the mistake was made by them but when I called, the supervisor said the debt was so old they do n't have any information on it! This is proof that there is no balance due on the account!
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX acct XXXX, XXXX acct. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
There is a bankruptcy on my credit report with transunion, XXXX, and XXXX that doesn't meet the requirements of the the New Public Record Credit Reporting Standards beginning XX/XX/2017. 

To my understanding this new law states that Credit reporting firms no longer will be able to include information about tax liens or civil court judgments in credit reports unless those records include a name, an address and a Social Security number or date of birth to match them to a specific consumer file. The new standards also require the firms to update public record information in their files every 90 days. This has not been done and as a result my credit report reflects inaccurate information. I have reached out to all 3 credit reporting agencies to get this account verfied and the only response that I received is that it was verified through XXXX. My XXXX XXXX report has been frozen by me so that is impossible to validate it. I froze the account to get ahead of the fraud that has been placed on my account.
I did have a fraud on my account on XX/XX/XXXX. I contact the bank to info they asked me to open a new account to transfer the funds between the investigation. They explain to me the credits received in that account will be transfer to the new account during the investigation, they lie. I received over {$2000.00} on XX/XX/XXXX and XX/XX/XXXX, I have that credit frozen on my old account with a hold over {>= $1,000,000} between my saving and checking account. Bank of America just closed the claim with out asking me any proof of the fraud I did have on my cell phone.
I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, Transunion and XXXX   report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both Transunion and XXXX have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX  XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
Aurora Loan Servicing is reporting my mortgage as " Delinquent XXXX '' to XXXX. This is incorrect and they wo n't change it. Aurora Loan Servicing transferred my loan to Nationstar Mortgage in 2012. My loan has been current the past 4 years. I 'm in a 6.6 % interest rate mortgage and ca n't get an approval to refinance because this trade-line is still being negatively reported by XXXX. The trade-line needs to read as follows : " Paid was 90 days, balance XXXX ''. I 'm attaching a copy of the credit page I got from my mortgage broker. Please Please Please help.
Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.
I request twice debt validation to Aldridge Pite Haan LLP but I did not proper answer but they want to be get paid {$1100.00}. ( Attachment )
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SOCIAL XXXX I USED TO HAVE AN ACCOUNT WITH XXXX XXXX, NOW NAME STERLING XXXX bank, located XXXX ny. what happened was that my account was only negitive XXXX dollars then all of sudden the bank closed my account unlawfully and started to charge me a ton of overdrafed fees even when the account wasv closed, i just owed them XXXX dollars, but my balance went up to over XXXX dollars. i talk to them several times to explain that the balance is wrong please credit the incorrect balance and they refused to remove those unlawful fees. off my account and they got so nerve to send my account to an attorney, also the bank is trying to used muscle on me by imtimadating me please have XXXX XXXX now sterling bank correct my balance so that i can pay the negitive correct balance the manager that works at the XXXX XXXX branch is a XXXX .also my job is next to the bank, when the workers get off of work they take the train next to my job where i work and look at me strange like their imtimidating me because i owe the bank money, like the manager and the other workers also talk to each other and look mad at me and then get on the train while im cleaning it. to me thats illegal, there cameras where i work showing those workers get on the train when their going home from the bank. the only was im going to pay this balance is when they credit the balance to XXXX
I am currently in the process of re-verifying my income based repayments. I filled out the forms and spoke with a representative on, XX/XX/XXXX. They Stated that they had received my Application and that all I needed to do was send my proof of income. I am currently not working and I thought I made that clear during the process so I sent in an email my husbands proof of incomes detailing how often he is paid, which is all the information they requested. I put my account number in the email, and I left a phone number requesting a Call if there was any other information they needed to process the application. I called on XX/XX/XXXX to verify that my email was received. They stated that they had the information and that it should take a few weeks to process. I assumed this meant that everything was squared away and that I had completed my end of the process. I continued to make my normal payments. On XX/XX/XXXX I logged into my account and noticed that my payment had jumped from XXXX to XXXX. I immediately called the customer service line. When I asked why the payment had increased the representative stated that it was because I never re-certified my income. When I tried to get ask why my information was not processed I received unhelpful answers. I was first told that they never received my e-mail. When I stated that I was told by a different representative that they had indeed received my email on XX/XX/XXXX, I was told that it was impossible because they do n't have access to the email, and that no one would have told me that they received my information that quickly because it takes 48 hours. I then gave her the date and time that the email was sent, and asked to have her look at it she stated that she did not have access to the email. I then asked to be transferred to someone who does have access to the emails and she stated that the department that has access to it does not have phones. I then asked how I can resolve this issue, as I had sent the information in a timely manner, and am now being told there was no way for customer service to check. She stated that I could resend my information. This was unsatisfactory to me as I had already done so, and had proof of doing so and it still was not processed correctly. I then began questioning the legality of what was being done with regards to my account and she stated that she would put me on hold and try to find someone with access to the email account. When she returned she stated that she can not access the emails, and upon further review of my application my documents were received and processed on XX/XX/XXXX, but that they still needed my personal proof of income. I asked how I was supposed to provide proof of income when I do not work currently, as only my spouse is working. I was told I filled out the application wrong and that I needed to send in a letter stating that I currently have no taxable income. I then asked why no one notified me, as I clearly stated in my email to contact me if any more information was needed and the response was that she did n't know. I have sent the requested info to the e-mail on XX/XX/XXXX.
On XX/XX/2018 I had charges come into my checking account in the following sums : 1 ) {$190.00} 2 ) {$290.00} 3 ) {$15.00} 4 ) {$15.00} 5 ) {$12.00} Chase chose to pay the 2 largest bills {$290.00} and {$190.00} from {$500.00} in the account and then pay the 3 remaining bills of {$12.00}, {$15.00}, and {$15.00} which caused an insufficient fund fee of {$34.00} x 3 = {$100.00}.

If they had paid the smaller bills of {$12.00}, {$15.00}, {$15.00}, and {$190.00} from the {$500.00} balance I had in the checking account there would have been only 1 insufficient fund fee charge of {$34.00} instead of {$100.00}.
I  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!
I purchased a mattress for XXXX $ from XXXX and selected 2 years no interest financing. I told the financing officer to set the auto pay to pay off the mattress in 2 years. I set up an auto pay to have the mattress paid off in 2 years, so as not to be hit with any interest. I came to find out Synchrony Bank only collected the minimium payment for those 2 years, then charged my remaining balance ( XXXX $ ) with over XXXX $ of interest charges. The loan was then charged a monthly 29 % interest rate and I owe XXXX on the mattress today. My explicit instructions to the finance officer at the mattress store was to set my auto pay to be complete in 2 years, and I was not aware of a possible 29 % interest rate, as well as being charged for back interest. 

At no point was I contacted by the company, I never received a loan document, nor was I called or emailed. I have moved, but submit address change documents with the post office.
It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. 
I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. 
I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. 
Please review our financial situation and adjust to an affordable level. 
Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. 
We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. 
I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..
{$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.
I noticed on my XXXX  report an inquiry that I did not authorize from XXXX XXXX, XXXX XXXX Dated XX/XX/2017.
Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Because I am not a customer of Equifax, but forced to utilize their system to survive, I feel that Equifax should be held to a much higher standard than typical consumer services. Since a large portion of the population must use their systems, they have a responsibility above and beyond that of a service for which I voluntarily subscribe.