WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a couch on XX/XX/XXXX from XXXX 's. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XX/XX/XXXX This is 1 year 11 months of financing.

In the prior complaint the company claimed they fixed the issue. However, What they did was credit the account purchase date of XX/XX/XXXX with a payoff date of XX/XX/XXXX and then charged my account with a purchase date of XX/XX/XXXX and a payoff date of XX/XX/XXXX. By doing this my prior months payment on the promotional plan was then credited to the other promotional account which is also only an 11 month payment plan. When they did this they took all my payments applied to this promotional plan and put it on the promotional plan that is coming dueXX/XX/XXXX.

There are also two new promotional accounts on my statement this month with the same problem. The dates of the promotional period is from XX/XX/XXXX- XX/XX/XXXXand XX/XX/XXXX - XX/XX/XXXX. These are suppose to be a 12 month promotional plan but once again it is 11 months. If these were 12 month promotional periods the period should be XX/XX/XXXX -XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

THIS IS FALSE ADVERTISING!!! FIX YOUR SYSTEM TO REFLEX 12 MONTH FINANCING OR CHANGE YOUR ADVERTISING.

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. I have several other cards and not one calculates the free financing in this manner. They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. They also advertise that anything over 350 is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

This is the worse credit card I have. I have to call monthly to get things corrected and I have to have payments adjusted and applied the proper way. This is how consumers are getting screwed by XXXX XXXX.

My next step is contacting a lawyer for a class action lawsuit. I have already shown an attorney the statement and how the retail account works vs the promotional plan works and how one does not have 12 months to pay the account or 24 months to pay the account and that you only have 11 months or 23 months to pay. However the amount that is required to be paid on the account is calculated at 12 or 24 months. So if you do not watch the account you will not pay off the account in the time frame and then get zapped with the interest for not paying it off on time. This is a scam.

The way they corrected my statement is not correcting the problem.
XXXX   XXXX   /3 requests Social Security number :   XXXX    Date of Birth  XX/XX/XXXX  -- -- Telephone number   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Texas  XXXX  Capital One   XXXX   XXXX   XXXX    XXXX , North Carolina,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX     XXXX   XXXX  , IA,   XXXX   Federal Trade Commission   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC,  XXXX  Account number #  XXXX  To Whom It May Concern, I am writing in regards to a late payment on XX/XX/XXXX  for Capital One Credit Card account.
I sent a letter dispute to Capital one on  XX/XX/XXXX  requesting a validation of debt. They responded to me by indicating that I do not owe them any money at the current time and they have requested that my account was at a {$0.00} balance. They provided me in writing that they were going to delete any and all information from my credit report. The late payment has not been deleted from my credit report. This agency indicated that they were going to delete all historical information from my credit report. At this current time this account still remains on my credit report. Im requesting that this information be removed from my credit report.
I have provided all information that is needed to settle the above dispute. I am requesting that all negative information be removed from my credit report regarding this inquiry on my credit report. I am requesting that this information be looked at provided with the most attention. Please request debt verification from this company. I have called your agency and they indicated that this account number is not the accurate account number that is with this account. Im requesting for a debt validation with this account. This company has stated that on  XX/XX/XXXX  that they had sold the account and they would take this information off of my account. This account was deleted from  XXXX , and  XXXX .  XXXX  is the only bureau that this account is showing own. A letter was received by this company. On  XX/XX/XXXX . This company has not deleted this account like they advised me that they were going to delete. I have called this company and they indicated that they were in the process of doing an investigation. I requested that all historical negative information deleted from my account. It is upsetting that this company tells me one thing but actually does another thing. This information is currently on their letterhead. If this company has advised me of that information they should honor their response. Im requesting this information be deleted from my account.
If this account can not be deleted Im requesting the following information be provided to me for debt verification. Please respond to my request. Im requesting that your company contact   XXXX   all historical negative information.
Attached is a letters from Capital One.
This debt will also be referred to the Fair Credit Billing Act- Title 15, Chapter 41. The Fair Debt Collection Practice Act, U.S.C., Title 15, Section 1692, Public Law 95-109. Consumer Credit Reporting Act of 1996, U.S.C., Title 15, Section 1601, Public Law 104-205
Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.
XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my TransUnion and XXXX  credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
To summarize according to Federal Procedures this collector : Did not provide notice of debt prior to placing alleged collection on Spellers credit record. The result  is Negligence as it relates to Collection practices. Federal Debt Collection Practices Act - ( FDCPA ) Did re- add prior deleted collection .   Did not allow  XXXX  to request verification of debt in line with federal guidelines of the Federal Debt Collection Practices Act - ( FDCPA ) Did cause emotional distress due to illegal method of addition to credit report and planned timing of delivery of adverse activity on credit report.   Collector trolled and pulled reports without cause in  XXXX  and  XXXX . Trolling for activity on credit is a violation of federal regulations. They appear on the report as I requested them to pull a report. ( Exhibit A attached  )   XXXX  has automatic alerts via  XXXX  and monitors his credit activity daily. A detailed explanation is demanded for discovery purposes of litigation fully explaining legitimate reasons for pulling credit multiple times without cause and/or action on collector 's part. ( collector did not add any items when they pulled reports  ) Th is trolling credit reports is not a legitimate business practices and must be dealt with by  Consumer Protection Bureau.    Collector only placed this on credit   XXXX   XXXX   after seeing no items negative items remaining in his report.   ( All negative items had been cleared ) The placement of this illegally placed collection and troll search actively was then strategically timed to create anxiety and fear in the consumer to force them to quickly resolve this item. This practice of trolling and placement must be investigated and they should be prosecuted to the full extent of the law.
Did propagate defamation and libel if any of above is indeed proved to be accurate.     These items alone  may  not be significant but combined are highly questionable and heighten the emotional distress caused to  XXXX . He has never signed any agreement, contract or letter with CONVERGENT ( collector ) to allow them to pull credit yet they presented themselves to the credit bureau in a manner that was false that suggested to the credit bureau  XXXX  allowed them to view credit. ( Exhibit A ) Additionally,  XXXX  was not presented any documents to support their claim of the alleged original debtor prior to their illegal addition of a collection on his report.   In conclusion, the Collector did not comply  XXXX  percent with  Federal Guidelines of Debt Collection. The collector did not send proper notice to Speller. The collector did not allow for d ue proces s ( v erification of debt ) this negative item must be deleted as  XXXX  had been damaged. Convergent will be deemed unable to ever attach any documents to  XXXX  without first proceeding in the appropriate manner and is here by instructed to cease and desist any reporting of this alleged debt. This matter will be advanced in the legal venue against the original debtor, Convergent and all entities that continue to propagate this item as legitimate without adherence to federal guidelines if the item is not removed forthwith.
The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.
customer service would not help and take care of the negative inquiries reporting to my credit report. I've sent out two authorized letters to the transunion credit bureau & the creditors in XX/XX/XXXX to all the inquiries seen. 3 from XXXX XXXX dates of inquiries XX/XX/XXXX, XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 3 from XXXX   dates XX/XX/XXXX, & XX/XX/XXXX..XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ...
I received an email from Fedloan Servicing that I needed to re certify. I tried to complete online and could n't so then I had to call to get the info sent. After I received the forms, I opened a chat window to get the fax number and was told by a customer service rep that I was sending the info to the wrong place. I mentioned that the emails and were from their website that asked me to fill it out, but did not receive any additional information from her, she just closed the conversation. So I have faxed very personal financial information WITH my SOCIAL SECURITY NUMBER VISIBLY listed to 3 different companies because in the meantime I received another email stating that my payments were going up because I did n't do the paperwork that they said I should n't have sent to them. FINALLY today I called after being locked out of my account and just asked if the paperwork had been received and was told yeah, we have it but it takes some time to process. STOP GIVING CUSTOMERS THE RUN AROUND. This has impact on our financial well being. I want to have 1 loan servicer, that does not change every 6 months making me fill out constant paperwork and continually threatening me with wage garnishment.
On XX/XX/XXXX I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/XXXX I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name XXXX and he informed me that they did not take it off for the membership agreement. I explained to him that my name was in the process of being taken off that bank account and that I was no longer going to be on that account and what they were doing was illegal and that they could not deny my request. He said that they could. That no law could stop them. I told him that its against the law to debit someones account for someone elses bills. I told him that I was in the process of obtaining another bank account and that I was wanting to pay my amount through a prepaid card. He told me that they don't allow that.
KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Hello, I currently own  a Barclaycard Mastercard Gold Card that is  part of the Luxury Card platform. I am also a  XXXX   XXXX   XXXX  service member. I applied and received the credit card under the  Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual  fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on  XXXX   XXXX  in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain  XXXX   XXXX  (   XXXX   XXXX   XXXX   ). This has put me in an extreme economic burden as a service member forward  XXXX  now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard  changed and did not grandfather me in as they said. Thank you for your time.
I am not past due on my account and the bank ALLY Bank called my neighbors looking for me. When they had a good phone number to call me. I tried to file a complaint and was transferred from XXXX to the US and back from rep to rep and was denied a Mgr. It took over an hour to get to the operation XXXX Division Mgr XXXX, XXXX XXXX XXXX who could not resolve the situation. 

I am worried that they will continue to act unprofessionally and continue to call my neighbors
Received a call from XXXX about suspect acct inquiry. They cancelled card, and issued a new XXXX. On XXXX/XXXX/2015, I made a " freecreditreport '' request with Experian. Provided identifiers, they said that I had already requested a recent credit report ( had n't for well over a year ), that I would be charged {$1.00}. Because XXXX call, I agreed for the {$1.00} charge, even though I know I had not requested a free report recently. I got the report the same day/time. While reconciling our XXXX XXXX account on XXXX/XXXX/2015, I noticed a charge on XXXX/XXXX/2015 for {$21.00} from Experian Creditreport. I contacted a live person with Experian, with the assistance of a XXXX XXXX representative. She said that I signed up for credit monitoring, and I did n't cancel before the end of the " grace period ''. I informed her that I only wanted the free credit report, and reluctantly agreed to the {$1.00} charge even though I had not requested a free credit report recently. She again told me that I had not " cancelled '' within the grace period, but she would " cancel '' my account. She refused to provide a refund of the {$21.00}. First, I have not requested a free credit report in well over a year, I should have been entitled to a free report. Second, I did not knowingly sign up for " credit monitoring ''. I am generally pretty conscientious of " reading the fine print ''. If that was somehow buried in the web page that is very deceptive to the average consumer. {$21.00} is not going to break me. How many times has Experian conned consumers out of {$21.00}, or worse if consumers do n't reconcile their credit card accounts every month. Require Experian and other credit bureaus to accurately represent prior free credit report requests, and if they are equally abusive to the public to clearly state what services they provide and the fees to be charged for those services.
I had an XXXX card with XXXX. The account was placed with Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX for collection. In XXXX 2016 I agreed to a settlement of XXXX monthly payments commencing XXXX XXXX, and ending XXXX XXXX, 2016. After the final payment was made I have continually asked for a payment in full letter, which I can not receive. The account is still listed on my credit report as having an outstanding balance and has affected my credit for purchasing a home. I just want them to acknowledge payment in full and send me the satisfaction letter, and report to the appropriate credit bureaus.
I closed out my XXXX account in XX/XX/2018. I was informed that I need to wait for the coming month 's bill to pay a {$71.00} service fee ( for closing the account ) - the last bit of money I owe XXXX. 5 months later, I received a credit alert that my credit score has dropped 32 points by a derogatory report filed by Diversified Consultants. I have never received any communications regarding the collection so I was utterly shocked by the news. 

I called Diversified Consultants and was told that XXXX never updated my address and XXXX furnished them with my old apartment address. Hence I never received any notices on the attempted collection. I then paid my bill in full and asked Diversified Consultants to update the derogatory report, they told me that it is XXXX 's fault by not updating my address and refused to assist me.
I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX Navient add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer XXXX  my location and area operation.
I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.
On XX/XX/XXXX, I contacted Wells Fargo via email about the amount of my mortgage payment which increased from {$1500.00} to {$1600.00}. I received a call from XXXX who said she would research what happen. I received a letter from Wells Fargo detailing my XXXX property taxes will be {$6000.00}. I also received letter directly from XXXX stating she would call me on XX/XX/XXXX to provide me with a response. I wrote a follow up email on XX/XX/XXXX stating my XXXX property taxes is actually {$4700.00} and not {$6000.00}. On XX/XX/XXXX, I called since I haven't received an update. The rep stated XXXX called me twice on XX/XX/XXXX. I answered my phone all day XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly spam calls since I did not know her number. So the rep said XXXX had sent me out a letter on XX/XX/XXXX with the resolution. As she read the letter it was the same information stating my property taxes is {$6000.00}. I asked the rep could this get escalated and she said she would contact XXXX and copy her manager. After thinking about last week and receiving no call back, I decided to file this complaint.
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing Credit Karma which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. Credit Karma stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.