WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I requested a balance transfer from Capitol One for XXXX be paid to my XXXX Store card, because it was charging me interest and the balance transfer was an interest free offer. It was never received XXXX. When I called Capitol on XX/XX/XXXX I was told they transposed the XXXX numbers on the XXXX account. I was told a stop payment was issued and a new XXXX check would be sent XXXX. And Capitol One refunded a XXXX late fee XXXX charged as a result of Capitol One's mistake. After awhile I saw that XXXX still had not received the new payment. I called Capitol one again on or around XX/XX/XXXX. This time I was told that XXXX had received payment and cashed the check but somehow had not credited my account. I called XXXX and they said Capitol One would have to prove they cashed it. So I called Capitol One again and they said I was told the wrong thing by the former rep and that neither checks were cashed! At this point I was so frustrated, I said just refund me the 2% fee and the $XXXX and I will pay off XXXX myself. I was told this could take XXXX to XXXX statement cycles. That was the XX/XX/XXXX! It's the XX/XX/XXXX and nothing has been credited back to my account. My name is XXXX. I can be reached at XXXX
I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.
On XX/XX/XXXX I requested the removal of a credit freeze from TRANSUNION, I was not notified of any issues, and was alerted that the freeze had been removed. When my wife and I applied for an apartment on Friday, XX/XX/XXXX, my assumption was that this freeze had been removed. 

However, I received a notification from the potential landlord on Monday, XX/XX/XXXX that the freeze was still on my account, and I would be charged an additional {$35.00} ( with no guarantee of getting this apartment ). 

When I called TRANSUNION, two people incorrectly told me that the freeze had already been removed, and refused to acknowledge that there was an issue. After 45 minutes on the phone, I finally spoke with someone who acknowledged and error. However, they told me the account needed to be frozen for an ADDITIONAL 5 DAYS, and that they would not alert me when the freeze was lifted ( I would have to sit on the phone for another hour to determine this ). It was important to confirm this, because I did not want to have another {$35.00} fee for a failed credit check. 

When I called back today, I had several people tell me that nothing was wrong with my account ( similar to last time ), I had to spend 45 minutes on the phone before someone was able to confirm that maintenance had actually been performed. 

This is an unbelievable abuse of the power, and I believe that in order to maintain all of their proper accreditation, they should put in additional stop gaps to prevent this from happening.
the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. 

Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.
I first received a letter saying I owed for a medical service with no date. When I wrote to them and told them I never dealt with this practice or had this service, the sent me another bill with a date of XX/XX/2018. I then wrote to them and told them this is not my debt, I had and have, health insurance during that time period and they have no record of me being billed by this company or that service. 
I have since had multiple phone calls from them as well as another bill dated XX/XX/2018 after I told them this is not my debt, stop contacting me. Each bill has a slightly different variation of this companys name.
I have a credit card with XXXX 's XXXX rewards Card for 18 months and my credit limit was XXXX for a purchase from the apple. I have made all my payments on time and never exceeded my credit limit. In the last 2 months i started to pay down my card with large payments of XXXX every week for 4-6 weeks and after the 4th payment, the company reduced my credit limit reflecting the amount that i paid off. My new credit limit is XXXX and my balance is XXXX approximately. This puts me higher than the credit debt ratio before my large payoffs and increases my apr rate and reduces my credit availability which affects my credit score negatively. So for paying off my credit card my credit score went down and my apr rate ca, be raised for making payments to reduce my interest rates that i was being charged. I see this as being unfair to me and affecting my credit score negatively which is causing additional hardships on myself and family. My timely payments and excellent track record with this company has gotten me a decreased credit score and the company raising my apr rates and interest rates due.
On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.
I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a new vehicle. I was connected to their one of their sales reps, XXXX, who showed me around and was very kind. I was very clear with her and everyone I encountered that I had recently retired from the XXXX. 

After choosing the vehicle I liked, I negotiated with the manager, XXXX, who I also told about my military status. We agreed on the pricing and away I went to sign all the documents. I was sent to the finance rep, XXXX, to finish off the deal. I told him I recently retired from the XXXX and on my reqest for credit paperwork, it says what I currently do and my military status. 

I signed everything, financed some of the vehicle with Honda Financial ( their in-house lender ), and left to go have dinner. When I got home, I pulled out the paperwork to review it and make sure everything was good to go. Well, everything was not okay. I found a {$490.00} error XXXX made so I immediately called him to tell him. He denied the mistake and told me everything was right. It wasnt until I told him my wife and I both have MBAs that he started to really look at the numbers and then said oh yes, there is a mistake, but just come in and I can fix it. 

So i go in the next day at XXXX in the morning to meet the director of finance for our meeting and of course, he can not meet with me for whatever reason. I was taken care of by another finance rep who was nice and saw the error immediately. Resigned the paperwork and off I go. About a week or so later, Honda Financial sends me an e-mail with instructions to set up my account. 

As I looked around their website, I found a special deal for Active and Retired Military that provides a {$500.00} discount which NOBODY at the dealership mentioned. I called Honda Financial and they gave me the go around saying they can not apply this discount to the loan. I called Honda and they told me I had signed a contract and that there is nothing they can do. I called XXXX XXXX XXXX XXXX, where I purchased the vehicle and they said nothing could be done since they were already paid for the vehicle and they really dont care what happens afterwards. 

This is the reason I am filing this complaint- seems like they dont care about Military personne and are providing advertisements to lure people in but in the end, they dont deliver. I want this resolved.
In XX/XX/XXXX, I was required to leave for military training. However, on XX/XX/XXXX, while still in XXXX XXXX XXXX status, a collection was reported on my account by Rent Recover of XXXX. It is my understanding that under the Service Members Relief Act ( SCRA ) all debts occurred while on XXXX XXXX that were open prior to me leaving are forgiven. Furthermore, this debt was removed before and has been recently re-added to my report. I am requesting an immediate deletion of this negative remark.
I demanded that the following account be removed from my credit report : capital one bank usa account # XXXX
equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different, note that transunion and experian are reporting the item correctly as " included in bankruptcy. i asked equifax to provide the document from XXXX XXXX showing late current payments so i can provide tham to XXXX XXXX but they would not provided it. 
i am in the process of purchasing a home and score from equifax went down XXXX points in XX/XX/XXXX after they made the change to my credit file.
BMO Harris Bank issued me an auto loan. Once I 'd paid the loan in full and filled out a change of address form on their own website that same day - they still sent the loan to the address from 3 years ago. They told me they would call back in a week if the title had n't been returned and make it right - they never called back - every time I call they make up some excuse and are basically just hoping I go away.
I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt.
2- I was never given an opportunity to dispute this debt.
3- This has reporting to the credit bureaus and it is in accurate.
I 'm not too sure of the dates but I have been in contact with Experian going on months. For a collection that they are reporting I disputed with them over 5 times for a account with XXXX in XXXX North Carolina. And they, keep saying it was deleted over 3-times and I goes look on my report it is still there I never lived at the address they stated the account was originally attatched to. I have spoken to, over 10 different people regarding the same account it is not reporting on any other bureau then some one said it came back as verify I ask them how was it verify did they have proof they stated not at the moment they have no signature are anything and they have told me over and over that it was deleted and it has not because it keeps coming off and on again l
I had a loan with XXXX now Navient close to 10 years. I never missed a payment for the entire time. They raised my payments and did n't notify or inform me they were going to do that. My payments were on autopay from the bank and were paid on time every month. When I finally figured out they raise my payments, it was too late and they put it on my credit as me being late! Once I found out, I paid the loan off in full. I do n't pay stuff late and they have affected my credit score severely! I 've called and they will not work with me on it, or remove the late payments! These people are crooks and want to keep young people in debt for life!
I am providing you with my former employers  EIN numbers received from social security. In  XX/XX/XXXX . I worked for   XXXX   XXXX  . From  XX/XX/XXXX - XX/XX/XXXX  I was employed with   XXXX   XXXX  . I was employed with   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX . Their EIN # is  XXXX . I was employed with   XXXX   XXXX   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX .Their EIN  # is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased.  XXXX  is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with Experian, XXXX, and XXXX for almost XXXX years. I now know why there is a XXXX filed against Experian, XXXX, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.
Incorrect name name, addresses and phone numbers. I have disputed several times and it was removed but back on my report. I called Transunion and asked for a  US  rep and was given  XXXX   (   XXXX  ) who just kept transferring me to a voicemail.
My Citi Bank Visa ( XXXX XXXX ) has a " price rewind '' feature that if I find a lower price within 60 days of the date of purchase, they will credit me the difference. In XXXX of 2018, Citi changed the rules so that items from an " internet auction site '' are no longer eligible.

Here is a link to what is and what isn't covered : https : //www.citipricerewind.comXXXX I recently filed two 'price rewinds ' for some electronic items. A computer monitor that was {$70.00} cheaper than what I originally paid for it and a computer video card that was {$100.00} cheaper. I later found these items on sale at the XXXX XXXX XXXX  : http : XXXX XXXX is a pretty well known for selling computer parts but I believe that they have also opened this 'store ' on XXXX to gain further market share and exposure because they now they sell much more than just computer parts. 

Now I can understand Citi not wanting to 'price match ' and XXXX auction, but an XXXX  XXXX is not an auction - it is a sales platform. Brand new items, with warranties, return policy, etc are sold at a fixed price. In the instance of the computer monitor I filed a Price Rewind about, XXXX sold over 250 of them ( at  {$800.00} each ) through their XXXX XXXX. I view an XXXX XXXX as the same thing as a small vendor selling something through another well-known sales platform - XXXX I don't think it is right that Citi automatically disallows any purchases from an " XXXX XXXX '' and automatically label it as an 'auction site '. I think they are abusing that policy to avoid paying out on claims
Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.
On my credit report Portfolio Recovery Associates is reporting I owe them {$740.00}. An account I guess they got from XXXX XXXX. I sent a letter asking them to verify I owe this. I was requesting a signed contract bearing my signature. I received a statement from 2012. Nothing verifying to me I owe this..
I paid XXXX XXXX XXXX {$510.00} half of the total {$1000.00} due to XXXX XXXX, this was supposed to clear my debt and remove it from my credit report to which neither has been done. I checked with XXXX XXXX and it says I paid 50 % of my bill and it is still on my report. This was all done over the phone.
I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY 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 ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I recently acquired a credit card from a local furniture store that was serviced by Synchrony Financial. Synchrony Financial has since conducted questionable business practices that has unlawfully imposed late fees on my credit card account, denied that I ever had auto-pay set-up ( which caused the late fees to be charged to my account ), fees are still on my account even after calling and asking for the fees to be removed, the phone representative managers assured me that the fees will be removed but say it will be impossible to provide me physical proof ( paper statement ) before my next bill is due ; which makes me thinking there trying to get me to wait until the next statement to charge me double for the fee that they never removed. Additionally, I feel that I am being treated differently because of my last name ; which is of XXXX heritage.
XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.
There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help
I have received numerous calls from ( XXXX ) XXXX and ( XXXX ) XXXX, both of which belong to Creditors Collection Service. However, I only know that because I searched the numbers online. The calls to my phone either do no leave a message, or the message is a recording of a man leaving only the phone number ( XXXX ) XXXX. He does not say anything else in the message. I have records of nine calls since XXXX/XXXX/2016, but there were more before those.
I have a XXXX XXXX backed mortgage, serviced by XXXX and underwritten by XXXX XXXX XXXX. 
Nearly a year ago I suffered a job loss and contacted XXXX as to my options. 
XXXX put me on a forbearance plan and referred me to XXXX XXXX counselors for a work out. 
I made initial payments to XXXX but was later unable to reach them and was led to believe they were no longer in business. 
Every step of the way from day one I have done as instructed by XXXX or XXXX and as I have committed to. 
XXXX on the other hand has routinely and consistently mislead or lied to me about the process, next steps or actions that they have taken to remedy my loan. I have pages of supporting, written documentation. 
I regularly receive intent to foreclose notices while on a payment plan. 
I am put on a payment plan only to be notified the following month XXXX has rejected the plan I have already paid in too - TWICE. 
I make payments with a confirmation number only to learn the payment was not processed nor was I ever called / informed of any issue. 
I routinely ask to be transferred to a supervisor and am either disconnected, put on hold never to be picked up on or told that I would receive a phone call and never have them call me. 
The actions of XXXX have been unfair and deceptive. The result has been for my credit to negatively impacted and threatened with the loss of my home. 
I am in the process of filing formal complaints with XXXX XXXX and XXXX XXXX. 
Any help or guidance as to my legal protections would be greatly appreciated. 
In addition, I would like to find out who has governance over XXXX so that I may file a formal complaint with them as well. 
XXXXs unfair and deceptive practices have most certainly caused the loss of homeownership for many others. I want to work to stop this operation from ruining other lives. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
I was speaking with someone from the XXXX referring to my current student loan from when I attended school for 4 months in 2014. They were helping me with my payment ( s ) and I asked them if this also would apply to my other student loan. The woman from the loan service I was on the phone with as well as the gentleman from the XXXX both explained to me that the loan service I was speaking to presently was my ONLY student loan for the school. I was extremely confused. They proceeded to explain to me that what was happening was a " third party '' gathered my basic information from my REAL loan and created another seemingly FAKE loan off of that. The monetary numbers almost match each-other as well. So I guess I 've been double paying my student loans because only ONE of the TWO seem to be legitimate as again I was told I only have XXXX loan for my past schooling of only 4 months. The woman and gentleman I was speaking to also told me how common and unfortunate this was and that they received calls like this daily with students unaware that they were being scammed. I am still shocked, confused and extremely frustrated. I had been receiving regular emails and letters/statements from the seemingly fraudulent loan in the mail just like the real loan for about 2 years now.
I sent several requests for account validation and then method of validation and all I got back was a letter that the accounts were verified. They are not verified. There is no documentation to validate or verify these accounts. Experian sent me a single piece of paper 3 times. They never did an investigation and they have no evidence regarding these accounts. These accounts are wrong and Experian has done nothing to investigate or reinvestigate and they have no validation of these accounts. They are willfully being negligent regarding my rights as a consumer. These need to be deleted