WillisBack/dataset-financial-user-claim huggingface dataset:
I bought hard drive s at Amazon, and used their 6-months no in terest payment plan financed via Synchrony Bank using my checking account.  <P/>  I made timely regular payments until Synchrony changed their website. Then my payments were deemed late, and Synchrony charged me a {$25.00} late fee for each late payment. I called Synchrony, had them rem ove the {$25.00} fee, and made the payment over the phone with my debit card.  <P/> But Synchrony continued to deem each future monthly payment late, with a {$25.00} late fee. Each time I called them, I had the {$25.00} late fee removed, and paid the payment over the phone via my debit card.  <P/> I made a detailed written record of each of my calls. Attached are my detailed notes. Please note my  XX/XX/XXXX  conversation with  XXXX  of Synchrony Bank. After she did a detailed analysis of my account and payment record, she concluded that my account information was correct, and that everything was Synchrony Banks error.  <P/> I have highlighted in yellow on my notes her statement that Synchrony Bank made the error.  <P/> After a late payment error occurred again in  XX/XX/XXXX , I made all future payments starting in  XX/XX/XXXX over the phone, via my debit card, and requested a confirmation number from Synchrony Bank for each payment.  <P/> I paid off my entire balance within the six-month, no interest period.  <P/> However, several months later, I checke d my Amazon/Synchrony Bank ac count, and noticed that Synchrony Bank had closed it.  <P/> Since I anticipate using the Amazon/Synchrony six-month no interest payment plan in the futureand having received no real help from SynchronyIm requesting CFPBs kind assistance.
Status Company responded on XX/XX/2018 Response Type Closed with non-monetary relief Company 's Response XX/XX/18 Response : Upon receipt of this complaint, we thoroughly searched our database, but did not find any account under the name XXXX XXXX at an address in XXXX XXXX, SC. We did find an account under that name, at a different address in South Carolina with a similar balance, but since Ms. XXXX did not provide the last 4 digits of her Social Security number or her date of birth, we can not confirm that this is the account in question. However, the address she stated as being incorrect in the ID theft affidavit ( XXXX XXXX XXXX, XXXX XXXX ) matches the original address on this account, as provided by our client. We have been working as a third party, attempting to collect the debt on behalf of our client and were given permission to report the unpaid balance to the credit bureaus by our client. Credit Management did not steal or fraudulently use Ms. XXXX personal information. When we reported the unpaid amount to the credit bureaus, we did so under the name XXXX XXXX, at the address on XXXX XXXX. The credit bureaus associated the debt with the complainants credit report, using that address. Credit Management has never received Ms. XXXX XX/XX/XXXX dispute letter or any other request or response from her, prior to this complaint. However, inasmuch as Ms. XXXX has signed a notarized affidavit stating that the XXXX XXXX address is not an address associated with her and that someone has misused her personal information, we have requested that the trade line be removed from her credit report. Although we have electronically requested the removal, it may take a few days to be deleted off her credit report, depending upon each credit bureaus internal processes. While it may not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and Ms. XXXX approval. If for some reason it does not, please do not hesitate to contact me directly at ( XXXX ) XXXX ext. XXXX or XXXX.
Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. 

This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.
In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from American Express were changed from the XXXX of each month to the XXXX of each month. This was done in XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on the XX/XX/XXXXthrough the debt management plan has been marked as 30 days late by AmEx by the credit bureau. I have disputed this with XXXX as well as requested a change from AmEx to no avail. All my other payments have been made on the between the XXXX and XXXX  through the XXXX and have not been reported as late so I am unable to understand the problem.
Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.
My complaint is that I can not obtain the participation in HUD-assisted programs and activities without regard to race, color, national origin, sex, religion, familiar status ( families with children under 18 ) or disability due to programs not available exclusively to me, XXXX XXXX XXXX XXXX. 

The type of problems I am having is HUD assisted programs and HUD activities. 

Its happens to be no HUD-assisted programs and activities are where I can find them. 

The company is XXXX, XXXX, and XXXX. 

The people involved are Employers and Hospitals refusing to Disclose my XXXX XXXX and XXXX XXXX to HUD-assisted programs.
None of your categories really fit my complaint. I have an Equifax account that is frozen. This past week I received an email " congratulating '' me on my " new '' Equifax account. I do not have a new account! I already have one. 
I have called and they say they have to investigate and will get back to me. Nothing. Wrote 2 emails, as suggested on their site. Never heard anything other than a standard 'response '' email saying they received my email. 
I MUST know if there is somehow a second Equifax account in my name that I did not open. Thank you.
I have had a credit card with macys that was opened up in XX/XX/XXXX. I have had used this card many times and was making my payments on time and been very happy with the everything till I received a statement from them XX/XX/XXXX where it showed on statement that I owe over {$2000.00} to macys. I immediately contacted macys and brought their attention that this charges on statement did not belong to me and I assumed everything was taking care off because they send me a new credit card till I got my statement again from macys that shows a balance of over {$2000.00}. since that time I stopped using my macys card and even in even when I was shopping there I start using my visa and master card. I always had a great credit and have no dint in my credit report. Over 5 months ago I decided to get a new phone for myself and I got denied and I was kind of embraced at the same time very angry in what took place. I have a family member which he knows about credit and he told me let 's look at my credit report and I purchased a copy of my credit report and find out that macys has reported my account as charge off. I was so upset we have disputed this account with the credit bureaus and it came back as being updated with same information that my account has been charged off. at this point I need your help to resolve this issue for me. Please help me.
I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!
I made a formal request to XXXX, Experian, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, Experian, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.
XXXX : XXXX Ocwen Loan Servicing , LLC . Regarding loan : XXXX - XXXX, UT XXXX I am a XXXX in XXXX specializing in Short Sales. I have been doing this since XXXX. Never have I seen anything like this. I have had a good offer on this property since XXXX. Ocwen has drug their feet, changed numbers in their system, repeatedly putting me off for months at a time, only to turn around and tell me they now need updated financials from the borrower which is only due to Ocwen holding onto this property. I call Ocwen every few days - all my conversations are documented. Ocwen repeatedly told me that XXXX was the investor on this loan and that XXXX is the holdup. However, I have contacted XXXX and they confirmed that they ARE NOT the investors on this file. Also, Ocwen sent me a letter stating XXXX was the Trustee - XXXX told me that Ocwen has the sole power to make all decisions on this short sale. So, my complaint is that Ocwen has been giving me the run around for almost XXXX years - They have an offer for more than their current value yet they continue making me jump through hoops and stalling on officially responding to this short sale. I do not know what benefits they get for keeping this property on their books. But I have never seen such poor business practices. I have other loans I 'm working with Ocwen and the last one only took XXXX weeks to get an approval letter and the offer was lower than their current value. So, it would appear that Ocwen is intentionally keeping this negative file on their books for their own gain. This property is physically falling down the mountain and now with the heavy snow melting the damage is only getting worse. The home is breaking in half - the roof leaks badly so there 's mold issues ... and they have a full price offer. There 's something wrong or shady going on with this file and Ocwen.
on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me.
This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!
I used a credit card for one single transaction on PayPal and they subsequently attached this credit card to XXXX other transactions over a seven-week period as a " backup payment source '' for each of these transactions. I never authorized this card to be used for this purpose and repeated calls to PayPal brought only their response that nothing could be done to correct it.
I opened account with debit card XXXX and they closed account down as I tried to use account they made me pay XXXX for checks. They charged unneeded fees of about 200 for discriminatory reasons. They also made me pay unneeded fees in another account of 200 plus. They failed to give promotions of XXXX ; they failed to give keep the change promotions, they discriminated against me by closing my account down, they failed to take complaints about fraudulent charges to my credit card of about 8000 for insurance I did not want. They took ideas like Economic Simplicity indicator and photos on id 's to get access to funds if someone steals a wallet with no id 's available
I have tried on 2 other occasions to get TransUnion to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}
Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.
I saw an ad for notary jobs on XXXX from XXXX XXXX XXXX XXXX. I signed up for all three classes. I took two classes at {$190.00} each. It was n't until the second class that XXXX XXXX XXXX XXXX told the students they do n't have employment, they only do training, and that is not what I signed up for. I should have checked with the XXXX because this company is a scam. I did not take the third class that cost {$340.00}. I have been working with Capital One since XXXX of 2017 trying to get this resolved. Capital One is charging me for all 3 classes, plus interest. Capital One is charging me {$740.00} to XXXX XXXX, the amount should only be {$390.00} since I only took two classes and I would like to dispute that amount as the classes were not as advertised. If push comes to shove, I am willing to pay the {$390.00} and mark it up as a lesson learned in order to save my good credit rating. I am not willing to pay an additional {$340.00} plus the interest Capital One is charging me, for a class I did not take. 

I was another victim of a scam. XXXX XXXX XXXX XXXX has scammed quite a few people, but Capital One should have had my back. I was a good customer, always paid my bill on time and had an excellent rating with them before this happened. I have called Capital One many times and have sent them the attached documentation. I finally cancelled my credit card. I had a zero balance before this charge of {$740.00} and now with interest it is up to {$830.00} and it just keeps getting bigger. If you can please help me with this, I will sincerely appreciate it. I am at my wits end and do n't know where else to turn.
XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with XXXX or Equifax about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
I purchase an item from a merchant for XXXX dollars on XX/XX/XXXX. My item said it was delivered sign by someone I dont know I contacted my seller they said they will investigate at the end of the investigation they ask me to contact my bank in which I did on the XX/XX/XXXX after the merchant finish investigating and didnt offer me a credit. On XX/XX/XXXX I receive a letter from citi bank asking me if me or anyone I know use my card to make a purchase from XXXX  to sign and date the letter which I will send a copy of clearing letting them be aware I know of the charge I did respond with a yes and I even called them to let them know my charge is valid and I never contacted them about a fraudulent charge like I mention earlier I disputed my charge on WednesdayXX/XX/XXXX at XXXX I use my mobile phone and disputed my charge under the term item not recieve I later receive an email which I will also send a copy of that XXXX have receive my disputed charge and that in two days I will receive a conditional credit. On the XX/XX/XXXX I receive another letter from XXXX that I have acknowledge that the charge was valid and if I need to resolve the issue contact the merchant directly that since I said it is not an unauthorized charge and they are reversing their conditional credit and closing the case, upon receiving this letter I contacted citi bank I was told that a mistake was made and they will rectify it cause two disputes was open with the same merchant I mention that the dispute that I have open is datedXX/XX/XXXX and I receive a letter on theXX/XX/XXXX of fraud charge again I was assured it would be taken care of since its a mistake from citi bank, i also told them I can not open two disputes at one time since Im only allow one dispute to a merchant I called several times about this issue I was told the back office is working towards it I rely on citi bank to solve this issue since it was not my fault which the assured they would, I made a call today XX/XX/XXXX to follow up on the charge and then I was told that citi bank had lose the chance to dispute the charge since it was put as a fraud charge I ask the question who put it as a fraud charge I couldnt get an answer to my question I went to my dispute details and ask for them to read what is stated as the reason for my dispute which clearly states item is not receive dated Wednesday XX/XX/XXXX on their website have nothing about fraudulent charge or the date they send a letter to me it have the date I open the dispute XX/XX/XXXX and the reason for dispute is item not Receive and not a fraudulent charge and citi can no longer do anything to help me with this charge I have to pay for an item I have not receive and cause of Citibank mistake Im paying the consequence s can you please look into this issue for me so I can get back my money Im a XXXX trying to make a living I can not lose XXXX for Citibank XXXX
I have attempted to contact Equifax by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XX/XX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but Equifax has not removed these collections from my credit report yet. Equifax keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by XXXX XXXX XXXX,  either, which leads me to believe this is fraud. These collections need to be removed from my credit report from Equifax, just like they were removed by XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00}
Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.
I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO XXXX