WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a credit card customer of Chase since XX/XX/XXXX. On XX/XX/XXXX, I received notification that my credit card interest rate was increasing from 10.24 % to 15.24 % on purchases. The reason for the increase was " because your APRs are below the lowest APR we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' When I called Customer Service and asked what my options were they stated that if I did n't want to accept this change, I could reject the change and then my account would be closed, I would not be able to charge anything further and that I was responsible for paying back the outstanding balance. 

Chase had upgraded me to a Chase Sapphire card due to my excellent payment history and responsible use of the card. Please note, that back in XX/XX/XXXX or XX/XX/XXXX my rate was changed to a higher rate due to a late payment. I never again made a late payment from that point on. 

We had recently gone abroad for vacation and I called to ask for a line increase ( just in case we needed it while on vacation ) and no one mentioned that this rate increase was coming and they added more of an increase than I even requested ( I asked for a $ XXXX increase to my {$13000.00} line amount and instead they increased my line to $ XXXX ). So now, the outstanding balance is very high and I feel like they are taking advantage of my high balance to gain more interest. I signed an agreement and feel that I have lived up to my end of the bargain. Chase never stated to me that they could raise the interest rate because I did n't have other accounts with Chase or because MY rate and MY agreement was better than what Chase offers currently. They offered me no alternatives to keep the rate that I have. 

This can not be legal. This rate increase will pose a significant hardship to me on paying off this balance. Does customer loyalty, making payments on time and as agreed to not count for anything anymore? Why, in the past 10 years have I never experienced this kind of rate increase before? ( The only large rate increase prior to this was my fault due to a late payment )
Someone hacked my Western Union money transfer account on XXXX XXXX 2017. Attempted to do XXXX transactions. 
1 ) The amount {$540.00} and I received notification in email that amount is picked up. 
2 ) After 10 minutes of XXXX transaction there was XXXX transaction for amount {$640.00} was made, however this was rejected by system. 
In both cases country of receiver is XXXX and appears to be done by same person.
I have been trying to work with US Bank to get a loan modification for my student loan but have not had any luck. After I was unable to get an initial response from anyone at US Bank about modifying my loan because I could n't afford the payments, I posted about it on US Bank 's XXXX page a few months ago - so, apparently public shaming is the only way to get a response. I was contacted by someone who offered to put me in touch with the right people. Three weeks went by with no contact, so I complained again on US Bank 's XXXX page. I was finally contacted that day by someone else who offered to try to put me in touch with the " higher ups '' who could help out. 

The manager who called me that afternoon - while I was at work - called me ten times in five minutes without leaving a message. I was understandably upset when I was finally able to answer, and I asked him to call back at a more convenient time, which he did not. It took me another week of calling to finally get him on the line, at which time I explained my situation and he offered to send me an application for loan modification. I completed said application and returned it with the requested information ( tax returns and pay stubs ), and received a call this morning from XXXX ( XXXX ) who said she was calling to let me know that she was n't able to approve my application but would n't give me any specific information because a letter was in the mail. 

I explained to her - as I 'd done with everyone else I 'd spoken to - that as a business model, I felt that it did n't make sense for US Bank to get NO money, when they could get SOME money from me. By not allowing the modification, my option is to not make ANY payments, because I ca n't afford what US Bank is asking. I 'm not trying to get out of paying the loan - I 'm just asking to make the payments affordable so I can continue to make them. I told XXXX that if she could n't help me, I needed to speak to someone who could. She said her manager was unavailable but offered to have him call me back. I said I would rather have his name and direct line so I could call him when I was n't at work and would be able to talk. She said I should call XXXX and ask to speak with a manager. I told her several times that had n't worked in the past. 

She tried to tell me that her manager does n't have a direct number and that there was no way for me to call him on my own. I told her I did n't believe that she had a direct number and her manager did n't. She again told me to call the XXXX number. Only after a few minutes of asking was I able to get her manager 's name - XXXX XXXX. 

I 'll keep trying to get in touch with someone who can help me, but honestly, the only way I 've gotten any helpful response from US Bank is to post something publicly saying what an awful company this is. I do n't understand why nobody is willing to work with me so I can make continuous, timely payments, and why the only way to get a response is public shaming.
My information was breached as a part of the Equifax hack. Equifax did not get in touch with me to let me know that my information had become public, and when I went to their website to determine if I had been a victim it simply said " ... we believe that your personal information may have been impacted ... '' It did not explicitly state that my information had been made public, nor did it provide me with instructions for how to protect myself. 

I have set up a fraud alert and will be monitoring all of my credit cards to make sure that my identity is not stolen. If I become a victim of identity theft I will set up a credit security freeze.
XX/XX/XXXX, I noticed a collection account on my credit report from FirstCollect Inc. I submitted a letter for the company to validate the debt requesting very specific information. They responded by sending an invoice that did not match what was listed on my credit report and clearly did not belong to me. The address was not mine, the insurance was not mine and the invoice was for a child that was born XX/XX/XXXX ( which i did not give birth to any children XX/XX/XXXX ). On XX/XX/XXXX, I then submitted my second letter to FirstCollect informing them to remove the collection from my credit report because ALL the information was inaccurate and they still did not submit everything I requested ( proof that they were allowed to collect said debt, proof that I signed for said service ). They refused. In conversation via the telephone with several agents from their company from XX/XX/XXXX to XX/XX/XXXX they refused to acknowledge that they sent me inaccurate information. They stated that the bill was for services that my XXXX child received XX/XX/XXXX during an emergency room visit. I explained to them several times that their father is the LEGAL party that is responsible for the minor childs insurance and any insurance payment and that there was no lapse in coverage so the invoice submitted should have been covered in full. Proper insurance was provided to the XXXX at the time of the visit and the er billed timely and received full payment. This information was acknowleged by the collection company and XX/XX/XXXX they verbally agreed to have the collection account removed by XX/XX/XXXX came and went and the collection was still on my account. I then submitted another letter to them dated XX/XX/XXXX, reiterating that they must take the matter up with the XXXX childs father as he is the party legally responsible for maintaining insurance coverage ( which he did ) and payment for insurance. I even had the XXXX childs father call and inform/confirm with the collection company that he is the responsible party and not me. They then agreed to have it immediately removed. Then minutes later they called me stating that they could not remove it. Shortly after this, I spoke with XXXX XXXX XXXX, who finally acknowledged that they did send me inaccurate information and she is also the one that spoke with me via three way with the XXXX childs father who confirmed that he is the responsibly party although the insurance should have paid it in full. Lastly on XX/XX/XXXX, I submitted a letter to the collection company from the Delaware Health and social services that further reiterates that the XXXX childs father is the responsible party for maintaining insurance and payment of any outstanding invoices. And yet they still continue to report this on my credit report.
The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the calls.
I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved.
Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.

I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX  and XXXX. 

Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request. 

Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs
Equifax is allowing collection agencies to report inaccurate information. I called Equifax on XX/XX/2018 to discuss this problem because I've disputed false information several times in the past with no action taken by Equifax. I was told to dispute once again.
I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. 
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. 
In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX   XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXXXXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX XXXX XXXX
See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.
I received a call from the company on Thursday XXXX XXXX 2016, at approximately XXXX. I then blocked my phone number and returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. I first seemed to reach an operator/receptionist who then transferred me. I advised the representative ; " I received a call from this number earlier. '' The representative only asked for the phone number and the name along with nothing else to verify my identity. The representative never asked for the account number, last name, last XXXX of the social, mailing address or any identifying characters and just assumed that it was me by giving just my first name. The representative was very rude and when I told her ; " if I had the money to pay it. '' Then she asked the same question and referenced me using a major credit card to take care of the debt, I advised the representative the same answer as before and the representative gave me what seemed to be a ; " Hhhhmmm chuckle, '' which seemed very rude and unprofessional. I then asked to speak to the Supervisor who failed to identify her title, which I then had to question. When asked to speak to the supervisor/manager I was asked ; " if there 's a problem with the call. When I spoke to the supervisor I then advised her the situation of the representative and I asked her how that she would like it if we switched roles and my representative did it to her. She kept avoiding the question and then I demanded her to supposedly answer the question of how she would feel of that associate if she was in the customers role position. The call basically got disconnected as she was rude. The spelling on the paper mailed to me was misspelt and they added me as I had XXXX initials.
US Bank advertises their XXXX XXXX card with the annual free night certificate. I never received it and even after calling I still have not received it. I completed the requirement and was verified on the phone with customer service representative. I was given a reference number of the call on XXXX/XXXX/2016 : " XXXX ''. 
This is what they advertise : XXXX XXXX Visa ( R ) Reward Card Free Night E-Certificate ( " E-Cert '' ) is available per Account if you charged US {$10000.00} or more in Net Purchases ( purchases minus credits and returns ) on the Account during the 12-month statement cycle period immediately prior to the annual anniversary of your Account opening date.
Today XX/XX/2018 XXXX I logged in to Navient to see a snapshot of my loans in deferment status. To my surprise I saw a loan that was past due XX/XX/2018 and possibly charged a late fee. I was unaware of this loan under Navient and to my knowledge this I wa not delinquent on any loans. Also some financial apps that I belong to such as XXXX gave a message that my loan was past due and I became concerned today. I called Navient and wanted to find out why was I past due now and nobody informed me, what were the details of this loan, why it was not past due before and no alerts, and why was it in collection status missing so many payments and accruing interest at a rate of 6 %. This loan was past due 210 days I was informed with a current balance of {$20000.00} according to Navient rep XXXX id # XXXX. I tried to get more details but she was not able to provide them. She told me this loan was in collections and past due and that my credit could be ruined if no payment was made. Also she told me this loan could go into default and delinquent. I informed XXXX that I am a XXXX veteran and that under federal law I am protected under certain circumstances. I might need to contact an attorney if I have to to know if my rights have been violated as a XXXX Veteran. Last time I was in touch with Navient was in XX/XX/2018 when they approved my Income-Driven Repayment Plan for my federal loans. Nobody told me about this loan was on file and on collections as far as I can remember. I have included copies of my student loans I printed from Navient. When I called nobody could give a straight answer but they kept me switching from one rep to another starting with XXXX id # XXXX, XXXX id # XXXX and XXXX id # XXXX. But after talking to XXXX last rep I am still confused and don't know what is going to happen with this loan, my credit history, and I am not sure if my rights as a XXXX Veteran have been violated. I need the help of CFPB and advice on this issue and what to do. Thank you. Also I don't want Navient that by me contacting them was a reason to restart the collection process and see it as a " negotiation '' call. XXXX  the rep I was talking to was pushing me to make a payment but I refused since I did not know what loan she was talking about.
On XX/XX/XXXX, I sent a notarized dispute letter to Equifax by certified mail. The dispute was stamped received XX/XX/XXXX. I received the dispute results XX/XX/XXXX. The envelope from Equifax states that they mailed the results on XX/XX/XXXX. 

I disputed 21 accounts. Upon receiving my results, I noted that within the 30 day time frame, there was an account named XXXX XXXX XXXX ( Account number # XXXX ) that information was not reported back to Equifax resulting in a deletion. I have contacted Equifax several times on XX/XX/XXXX and XX/XX/XXXX about the deletion, however they would not delete. The rules states that within 30 days I should be notified of results and if not so, then they must delete. 

Included in this complaint are the tracking information, receipt where I had the letter notarized, a copy of the letter, and the results from Equifax. 

Thank you so kindly for assisting me in this matter. 

Sincerely, XXXX XXXX XXXX
I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex
Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax