WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a loyal Chase customer for the last decade, and have two credit cards with Chase, including a Chase Sapphire Preferred Card. I always pay it on time, I use it frequently, and it's yet the card that is punishing me with a tremendously high APR of 24.99 %. I called up and got cavalier and nasty client 'relationship ' representatives who were not able to budge on the APR, despite the fact that all of my other credit cards were. I have done a good job of increasing my credit scores, I have no bankruptcies, leans or anything that should be allowing Chase to punish me, and yet they are not willing to budge. They tell me that there's nothing they can do, that it goes through periodic reviews, but that I can not ask them to lower it, and they're quite nasty about it. I have never heard of such a thing. My other credit cards lowered my APR over the phone by at least 10 %, and Chase isn't willing to come down at all.
I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. 
Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.
Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.
XX/XX/2018 XXXX XXXX with 77 Elite I think that they maybe fraudulent companies. I have been paying them {$200.00} monthly. Im scared because the paperwork I signed stated limited power of attorney. 

Then XXXX called me and send Im overdue for federal school loan payment. 

I said no Im paying it ; they said you should file a police report. 

So please tell me if XXXX XXXX and 77elite a fraudulent companies?
I am in the XXXX  and had just moved to Florida in XX/XX/2018. I am ashamed to say thay we were naive to be con into this vacation club/timeshare. 
My wife and I had two credit cards opened in our names while starting this membership that we found out about around 2 weeks later. The day which i believe was XX/XX/2018 we went to a presentation. The manager and sales rep had us fill out paperwork, including a credit application. Now we know at this time, our information was being used to apply for credit cards. This entire process of us starting this membership was expedited due to the time constraints of us having to pick our daughter up from school. When my wife received the cards in XX/XX/XXXX, she called me while I was at a military school in Florida and told me about it. I immediately called the credit card company which should be on their phone records and under my account acquiring about these cards and how to go about disputing the charges. I tried to contact the sales representative and other reps in the company before the cards came and letting them know i wasnt happy with this membership. i have a track of emails dating back a year from me trying to cancel this membership. the only reason the card charges weren't disputed in XX/XX/XXXX was because the membership was still active and we didnt want thia to backfire on our credit. Everytime we would reach out to the company regarding cancelling this membership, they would tell us " we NEVER had anyone cancel and how great the travel opportunities are. We would always ask to speak to the next prrson in the chain of command. after a year and threating to hire a lawyer i was consulting with, they agreed to cancel the contract. We let them keep over {$1000.00} dollars that came from our babk account. Now, they are trying to keep the credit cards money as well. We never verbally told them they could take this money off of the two credit cards they applied us for or we didnt sign a receipt with the credit card information from either card. We were told what our monthly payments would be and that they would come off of my debit card. There were NO services or Supplies rendered for this company to steal and gain a free {$6700.00} dollars in profit from this credit card company.
Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.
I have been receiving numerous phone calls from a debt collector named XXXX XXXX from Mandarich Law Group LLP. He has been threatening me that he will take XXXX % of my check and will go directly to my boss to take away the money. I was part of a fraud scam, since I had fallen for an add on the TV stating that for monthly payments they would help lower my credit card payments. Long story short, it was all a lie and that company I had made arrangements with, sold the company numerous times and did n't resolve any of my credit card debt. Now I have this hostile person harassing me stating he will take away from my weekly paycheck, and being that I am a single mother, money is already tight as it is and their is no need to be so unreasonable as for him not to even want to negotiate with me.
In XXXX XXXX I received an email from USAA for a {$XXXX} sign on bonus for getting a USAA preferred cash rewards credit card, I followed the link in that email, applied and got approved. Made at least 29 different qualifying transactions and paid bills on time, etc.. 9 months later, 3 or 4 phone calls and no {$XXXX} credit to account. 

Email dated XXXX/XXXX/XXXX below : XXXX, you 're pre-selected! 
Enjoy all the benefits of a USAA XXXX XXXX XXXX XXXX XXXX credit card, plus take advantage of these offers : Get a {$200.00} reward bonus when you are approved for this credit card offer and make XXXX qualifying purchases by XXXX XXXX, XXXX. 
Enjoy a 0 % introductory APR on all purchases, balance transfers and convenience checks until XXXX XXXX, XXXX. After that, your Regular APR of 12.15 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2 Earn 1.5 % UNLIMITED cash back on every purchase. No annual rewards cap and no categories to restrict how you earn.3 No annual fee. No penalty APR. No foreign transaction fees. 

Similar promo emailed to me on XXXX/XXXX/XXXX as well ( below ) A {$100.00} statement credit when you make XXXX Qualifying Purchases by XXXX XXXX, XXXX {$0.00} introductory fee for each balance transferred by XXXX XXXX, XXXX. Each balance transfer and convenience check that posts after this date will receive the regular balance transfer or cash advance fee of just 3 % or {$200.00}, whichever is less. 

0 % introductory APR until XXXX XXXX, XXXX on all purchases, balance transfers and convenience checks. After that, your Regular APR of 8.90 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with XXXX, XXXX and Transunion. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following Transunion credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( Transunion ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the Transunion credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On Transunion File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.
I am the third party. This company called me regarding my sister 's debt that I have no connection to at all. When I called them to tell them that they could not call me regarding my sister 's debt they asked for more information including phone numbers etc. They told me that they could not help me and to have a good day because they were a call center. I told them that they are in violation of the FDCPA and they could not contact me again. I told them I would report them and they hung up on me.
I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!
Several months ago, I suppressed my information with LexisNexis from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both LexisNexis and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. 
I have also disputed negative information being reported on my credit report with XXXX, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through LexisNexis. Now I wonder how that could be possible when per LexisNexis all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by LexisNexis. I information should have always been suppressed/frozen with LexisNexis from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from LexisNexis unfortunately the suppression was compromise and it was being reported. Suppression numbers for LexisNexis XXXX & XXXX,XX/XX/XXXX & XX/XX/XXXX. LexisNexis per XXXX, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
TRANSUNION IS REPORTING A VACATED JUDGEMENT ON MY CREDIT REPORT PLEASE REMOVE THIS ASAP.ENCLOSED IS THE COURT RECORD SIGNED BY THE JUDGE TO VACATE IT.
I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.
This is the arrogance that I have been subjected to since trying to dispute this error. I included the proof of insurance in the correspondence dated XXXX/XXXX/2016. Make no mistake I will also be notifying Medicare regulations and XXXX XXXX about this matter. I am enclosing proof of insurance again. This is the response for Universal Collections. CFPB needs to be aware of this. Universal as usual is so busy being arrogant I guess they did not notice my proof that was sent by CFPB. Universal also seems to be unaware that the consumer has the right to request validation. 
" Response Dear XXXX XXXX, Your request for validation of the claim is curious. First you have 45 days to request validation once a letter is mailed to you. That time had passed by about 5 years once we received your validation request. But your validation request seems irrelevant since you are already acknowledging the validity of the claim. 
I will reiterate once again that if you had Medical Assistance at the time medical services were rendered, please simply provide proof of that insurance at the date of service and we will immediately expunge this record from all credit bureau files. It is really just that simple '' I have the right to request validation at any time.
I paid Equifax to safely monitor my credit, try to get out of my debts, I trusted them and they ended up leaking all my financial information. I want all the money back I paid as well as compensation for stress and potential risk I am now facing due to their leaks.
OnXX/XX/2013, this debt for {$68.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you  have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
I believe this is a collection company which I have already spoken with about a debt, they are continuing to call multiple times a day on both my home and cell phone. I have asked them to stop calling my cell phone three times now and I just received another call. Noone is there when I answer and it disconnects. 
They have tried to call my cell phone XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX ( this was when I asked them to stop calling my cell phone ) XX/XX/XXXX at XXXX
I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.
I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, Transunion, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
We are responding to claim number XXXX that was filed in reference to Bank Of America, ... we are responding to there response .... BOA claimed that when we filed our Chapter XXXX Bankruptcy in XXXX that was changed to a Chapter XXXX in XXXX XXXX and was Discharged in XXXX/XXXX/XXXX BOA stated that we did not reaffirm the debt, the debt was reaffirm in both the Chapter XXXX & XXXX XXXX case, in fact BOA did a modification in XXXX XXXX but did not record the lien until XXXX XXXX ... ..we was in the process of refinancing our loan with another company and found out that BOA never perfected the first loan and the only loan that is showing is the modified loan, BOA sent out a history of payments to the credit Bureau incorrectly by showing us over 30 days past due starting XXXX when they got the loan from XXXX XXXX XXXX XXXX and never gave us credit for our 3 payments that was sent to XXXX XXXX XXXX XXXX even when XXXX XXXX sent them a copy of the transaction along with a letter stating that the payments was received by XXXX XXXX XXXX XXXX XXXX we never got our credit on the old account and never got our money back from the payments ... Boa also reported that we was over 30 days past due during the Bankruptcy and up till XXXX XXXX when the old loan that they reported on was closed in XXXX XXXX and the new loan was modified XXXX XXXX and that loan should be showing at the credit bureau, we are requesting that we be given back our 3 loan payments since the loan has been closed or that the three payments be place on the modified loan ... and that BOA correct our pay history with the credit bureau.. also how can a loan that never was perfected, be able to be modified ... If needed, I have all my documents to prove everything above.. only my fax is working at this time and if any documents are needed I will be more than happy to fax it.
I have had flawless credit for 30 yrs. I've had Chase credit cards, " Chase Freedom '' specifically since XXXX with no problems ever. I've done many balance transfers in my life, so I have plenty of experience. I recently did a balance transfer with Chase Freedom for {$9000.00} ( did many with other Chase cards, but apparently not " Freeedom '' ) When I got my first bill, my minimum payment was {$470.00}. I was SHOCKED. I immediately called on XX/XX/XXXX. The representative told me that the min payment was so high bc they were making me pay the " Balance transfer fee '' up front, but my future payments would be around {$90.00}, 1 % of total balance ( which is standard, AND the rate THEY ADVERTISE ) I went to pay the next payment on XX/XX/XXXX & was once again SHOCKED to see my minimum payment was {$440.00}. I paid it, but I have been trying to work this out with Chase ever since. Apparently, the representative was WRONG & I am actually expected to pay 5 %, instead of the standard 1 % they normally charge, bc that was written in my " user agreement '' paperwork back in XX/XX/XXXX!! 28 years ago!!! They currently charge 1 % to everyone else in the world. My other cards, including Chase, are all 1 %. This {$440.00} is an unreasonable amt to expect someone to pay for 1 credit card. I have kids & many other bills to pay. They never warned me they were so " off the charts '' with their minimum payment percentage, ( except for my original paperwork in XX/XX/XXXX ). They offer everyone else 1 % terms. They change THEIR " terms '' anytime it benefits THEM, but won't budge to lower it to make this payment more affordable & reasonable. So, I also asked them ( as soon as I found this out ) to refund my {$360.00} transfer fee so I could use it to transfer the balance to a different card with a more reasonable minimum payment. They refused. I also asked if they would transfer to my CHASE SLATE card, which has 1 % min pmt, they also refused. They will not work with me at all. I am a responsible working person. I would like to preserve my good credit. I could easily transfer again to a different card, but I'd have to pay another lump sum of $ again.