WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I  spoke to did not want to assist in any way and said there was nothing that could be done.
This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.
Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.
Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.
i owed XXXX money regarding a medical leave payment discrepancy in 2014 - I was placed in collections and immediately paid the balance that was due. It is now 2 years later and I am trying to purchase a home and I am being denied by all creditors because it shows on my credit report that I owe collections money.
My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
My Father took out a reverse mortgage. He died in XXXX 2015. I am the executrix and have been working diligently to attempt to complete a deed in lieu of foreclosure process with Wells Fargo Reverse Mortgage company since XXXX. Wells Fargo is unresponsive to my messages and calls, loses my fax submittals and sends me letters threatening me. I am looking for assistance in dealing with this company.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax, , XXXX ) , XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Equifax, , XXXX   ) , XXXX XXXX Acct XXXX ( equifax, , XXXX, XXXX   ) , XXXXXXXX XXXX ( XXXX, Equifax, , XXXX ), XXXX XXXX XXXX ( XXXX. Eq, XXXX ), XXXX. XXXX XXXX
XXXX XXXX {$1700.00} Closed OR : XXXX XXXX XXXX XXXX Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
My servicer, Select Portfolio Servicing ( SPS ), has made major errors in the following areas : XXXX. SPS mailed my trial modification to a strange company and did not use my address. XXXX. I became aware of my approval for a trial modification in XXXX and the XXXX payment was XXXX XXXX. XXXX. SPS has grossly inflated my income. All these errors were made in an attempt by SPS to cause a deliberate default on the trial modification. SPS prefers to profit from foreclosures. See attached - SPS mailed an approval to XXXX at an address that is not mine. I have never conducted business with XXXX. SPS informed me of my approval in XXXX and told me my XXXX payment was due XXXX XXXX. Finally, my pay stubs are attached. SPS falsely claims I make {$9300.00} per month. It is blatantly clear that they have confused my file with another. I have additional income with a rental property. This income becomes a wash when using the 75 % underwriting standard. My income was inflated by a XXXX dollars each month.
I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 

They received by request via certified mail on XXXX and as of today, XXXX, I have not received any response from them. 

According to Texas Finance Code 392.202 ( b ) ( 2 ) the this debt collector had XXXX days to respond to my request and they have failed to do so.
I became a Chase Sapphire Reserve Card Member in XX/XX/XXXX. One of the benefits of the card is Priority Pass, which allows cardholders access to airport lounges across the world. To be able to use that benefit Chase requires the cardholder to sign up for priority pass and receive a priority pass card in the mail for use. I originally signed up in XX/XX/XXXX for priority pass. The card did not come in the mail. I called Chase two to three times in XXXX inquiring about getting a priority pass card. Each time they said they would submit the request and get it mailed to me. The card never came. During my last phone call I was told if I did not have my priority pass card, to charge the priority pass lounge fee onto my credit card and Chase on re-reimburse me. I dropped it at that point even though I still had not received the priority pass card. On XX/XX/XXXX I attempted to use a Priority Pass Lounge in XXXX and that lounge only lets people in with the Priority Pass card however would not accept payment for entry. In order to use the benefit of the card, I then called Chase to get my priority pass account number ( the lounge would have accepted that ) and they were unable to provide it. I then asked to speak with a manager. Once connected with a manager they told me they were also unable to get my number, and that Priority Pass is Chase 's vendor so Chase had no control over the benefit and problems with getting me access to the card and/or number. Even though it was Chase 's vendor, I was surprised because the manager took zero responsibility for Chase and blamed the issues with receiving the benefit on Priority Pass. The Manager did say they would put in another request to send out the priority pass card. With all that being said it feels like this benefit that I purchased with the credit card was deceptive/a bait and switch. Chase made it impossible for me to use the benefit I am paying for with the annual fee.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Midland Funding, as shown on my 3 credit reports, is showing incorrect information.

Basis for the dispute : 1. The type of account is listed as OPEN " Installment '' or " Other Accounts ''. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current.

( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is {$7000.00} and the account is listed as " seriously past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score.

Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as of May 2014 as Midland is not a creditor and I do not have any installment agreement with Midland.

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?
This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.
I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.
Hi I have been paying my walmart credit card for the last 7 months. I have been paying it on time never late and the minimum balance or over. I recently was able to pay it in full and thats what I did. I went to check to make sure everything was ok but noticed my balance was low by like {$500.00} so I called them. They informed me they did a random evaluation on me the day after beening paid out and made this choice. But all of this only happened after they were paid out they then told me when my credit up dates then I can ask about a credit increase to my original limit. Oh and when i had to change my address the first time before I received the card they closed the account then opened another one under my name which is the one that is active now. They also tacked on a {$10.00} interest charge to it with know real reason I have never had one in the 7 months of having them. This is a first this has ever happened and it makes no sense my mother has had them for 2 years and has reached her limit multiple times and she has had no decrease to her credit line. But then again she has never paid them in full either.
In XX/XX/2018, three loans I have with navient come out of my last forberance. I tried for 90 days prior to XX/XX/XXXX to get on a repayment plan that would meet my income level. After multiple calls and financial worksheet submissions, I was told that " No concessions can be made on my account, as we have your discretionary income as over {$3000.00}. '' My total monthly take home income is around {$3000.00} and i currently pay multiple other obligations every month. After trying to fix figure several times with phone calls and more financial worksheet submissions, I was still told no concessions could be made on my account and the only option I had was to try for a rate reduction program. After asking how that would happen, I was told you only become eligible for this program after your account is past due. I called back several times over the course of the next 60 days trying anything that would prevent that from happening. In XX/XX/XXXX, I was finally allowed to apply for the XXXX XXXX XXXX, provided I agree to auto deduction from my bank account and make three " qualifying payments '' into the program. I asked what would happen to my account since it was showing as past due. I was told to not worry about it, as Navient does not report anyone to the credit bureaus until at least 90+ days  delinquent ( I was around 45 days ) and they ABSOLUTELY do not report while anyone is in a qualifying period for a new rate program. I was told that IF my account was still delinquent after the three month qualifying period, then i would be reported to the Credit Agencies. 6 weeks into my qualifying period, and after a successfully making 2/3 payments, I was reported to the bureaus as being " severely delinquent. '' I called navient, spoke to a " supervisor '' who told me this was a processing error and that should have not been reported. I asked what would be done to fix this and they stated they can file a retraction, but it would take a month to process. I asked how I was to know this got done, and was told " well i will make a note on your account. '' I then asked for copies of the " notes '' on my account and was told that i could not access them, as they were internal documents and that it was not appropriate for me to have access to my own personal loan records. This was in XX/XX/XXXX. In XX/XX/XXXX I called back to ask what was going on with my retraction, as my credit score has plummeted, I can not purchase a home, move out of my parents home or refinance my car. In speaking with the " supervisor '' XXXX, employee XXXX, I was told that no such retraction had been made, and further more, she had no knowledge of the program in which i was entered, so therefore she really couldn't do anything to help me. I asked to file a formal complaint within the company as this was now the third time i was told a retraction would be filed and my credit score repaired, as much as possible, and each time i call to check on the status i speak to someone who has " know knowledge '' of these issues, even with all the " notes '' on my account.
XXXX Date Outcome XXXX Fraudulent purchase at XXXX XXXX Fraud dispute credit XXXX Fraud dispute reopened {$970.00} charged again to acct. 
Mem. weekend. Call BOA. Unable to contact fraud dept. because of memorial day XXXX Contact fraud dept to dispute fraud charge reinstatement XXXX '' Fraud dept. will call you back '' XXXX '' Fraud dept. is def. going to call you back '' XXXX '' You will hear from fraud dept. within the next few days via mail or online banking '' XXXX Claim denied letter received XXXX Message left w XXXX XXXX, claims investigator responsible for denying " second '' claim : No new information presented justifying 2nd denial. Awaiting callback. 
XXXX No call back received XXXX Called back and spoke to fraud supervisor. She asks me to submit police report to XXXX. Please include CC # XXXX Police Report and letter faxed to Bank of America fraud center XXXX BOA rejects fraud claim again by message center XXXX Sent letter to BOA again refuting denied claim XXXX XXXX, XXXX Bank of America : Please find attached a police report for the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. This police report was requested by a supervisor in the Fraud Department on XXXX/XXXX/XXXX. In addition to the attached report, please take into consideration my unique-in-the-world first and last name, publicly available address, publicly available phone number, and publicly available email. Using this publicly available data as evidence in dismissing a fraud claim is highly problematic for individuals like myself with public profiles and uncommon names. 
Please continue your investigation of this crime and refund my account in the amount of {$970.00}. You may confirm the receipt of these materials to me at my disclosed home address, phone, or email. 

Thank you for your time, XXXX XXXX, XXXX Bank of America : I am writing again in regard to the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. I am very disappointed that you are unable to resolve this claim in my favor. I repeat my concern that you have based the validity of this charge on publicly-available information such as address, email, and phone number. I am especially concerned that your investigator also disregarded the fact that my last name was spelled wrong on the supplementary documentation submitted to you by this online ticketing agency. It is unbelievable to think the retailer submitted anything but the original name input made by whomever committed this fraud and equally unbelievable to claim I go around spelling my name incorrectly as. I am also highly disappointed that I only learned of this fact after nearly six months of calling your office during my last conversation with a BOA employee on XXXX. 
Please reverse your decision. I am beginning the process to shut down all of my Bank of America credit cards and accounts. 

Thank you for your time,
ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN ACCOUNT