WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX.  When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. 

And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. 

Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection Bureau.
I called equifax to find out why they put a security freeze on my credit and to remove the freeze and the representative told me unless I pay {$5.00} dollars they will not remove it. I told representative that I did not request a security freeze and I will not give them money to remove anything. I asked to speak with a manager and the rep put a supervisor on the line. Her name was XXXX employee # XXXX. I explained to her I did not ask for them to place a security freeze on my credit and to remove it. She told me unless I pay the {$5.00}. This is my information and I will not be subject to pay for a procedure I did not ask for. I had to pay the {$5.00} dollars but I want my money back for a issue that Equifax decided to put on my account.
EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.
After paying Experian 's website a fee and answering all of the required questions to verify my identity, I received a letter stating the following : " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible. '' Please not that the letter that I wrote to dispute an inaccurate item on my credit report was written in print not in cursive form. 

The reference number given to me by Experian after paying to receive my credit report is as follows : Reference Number : XXXX The item that I am disputing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Any assistance that you could provide me regarding this matter will be greatly appreciated. 

Respectfully, XXXX XXXX
Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.
Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.
I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report
This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.
we internally refinanced with Oceanside Mortgage Company on XX/XX/XXXX. XXXX XXXX told us that the check we wrote for {$770.00} on the closing date would be for our XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a mitigation email saying that we had missed our XX/XX/XXXX mortgage payment. After calling XXXX back they said that it would be taken care of and they would apply the funds to our mortgage payment. That was not completed. Today I have spoken to XXXX in customer service, XXXX XXXX, and a man by XXXX XXXX. XXXX and XXXX XXXX could not figure out what happened or where our money went. XXXX XXXX told us that our escrow account was short, and that they had take n the check we wrote for {$770.00} to our escrow account and that we 'should have known ' that were going to owe for XX/XX/XXXX, when XXXX XXXX told us that was what we were paying at closing. They have now said that they will " try '' to remove any bad marks from our credit report. and " try '' to remove any late fees. They were not helpful, and basically told me I needed to Pay XX/XX/XXXX, and did not take any repsonsibility for what their loan officer, XXXX XXXX, told us. I feel taken advantage of, like I was liked to just so he could close a deal. I have spent over an hour and 15 minutes on the phone with this company today, and was transferred 3x.
I wrote to XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX at XXXX and it was signed for by XXXX. 

I received a letter from XXXX XXXX dated XX/XX/XXXX in which they stated they will not process my dispute per the Fair Credit Billing Act. XXXX XXXX said in the XX/XX/XXXX letter they can't process defective XXXX XXXX catalog orders. However, the Fair Credit Billing Act clearly states XXXX XXXX should process this dispute without fees and interest. 

When contacting XXXX XXXX they state any problems with the XXXX XXXX Credit card statement must be directed to XXXX XXXX, which I did on five separate occasions.
My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.
InXX/XX/XXXX, I scheduled an extra payment to loan XXXX on the due date and asked not to forward the next due date and to have the next month be due on schedule. MyXX/XX/XXXX auto payment was made and only the interest was paid ( {$3.00} ) and the amount that should have gone to principal ( $ XXXX= {$23.00} ) was distributed as extra payments to the rest of the loans in my account. I emailed requesting my payment be reapplied correctly on XX/XX/XXXX ( as soon as I saw how my XX/XX/XXXX payment was applied ).

The response I received to my Navient inbox on XX/XX/XXXX about reapplying the payment correctly, they determined that XXXX was not paid ahead and did nothing to reapply my payments ( which they have previously done for me in the past aroundXX/XX/XXXX a few times ).
BYL collections, XXXX XXXX and XXXX XXXX XXXX, Representative XXXX, contacted me reguarding a bill with XXXX XXXX XXXX. The bill is due to identity theft. The spelling of my name is incorrect, I never lived in XXXX XXXX, NV. XXXX XXXX XXXX informed me the bill has a contact person being XXXX XXXX. Neither company can provide me with any documentation containing my signature, only a computer printout. This company is requesting me to fill out fraud papers with my signature, but I refuse because I am afraid to give any information to this company to give them identifying information to pin this bill on me. I sent the paperwork to the three credit bureauls with a police report. This is an attempt to collect a debt not owed by me. this is not my debt. I tried to resolve it with the company but they insist on making me pay this bill but IT IS NOT MY BILL! I want proof of validity of this account and when it cant be provided I want a deletion as well as for them to lose my information and stop harassing me.
My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.
This is my XXXX dispute with this company regarding inaccurate information on my credit report that does not belong to me. This company has failed to produce any information whatsoever that proves these accounts are mine. Not only that, but they have/had multiple addresses on my file that do not belong to me. Therefore, the inaccurate information on my file may either be a mismatch of information with another consumer, or identity theft. I have disputed this information without success and my next letter to them will be an Intent to Sue. I have never disputed anything on my file previous to these disputes and I received a notice from Experian stating that without further documentation from either the creditor or the courts they will not reinvestigate. This is in violation of the FCRA and XXXX opinion agrees with me. Once I notify the bureaus that there is inaccurate information on my file, they must conduct a reinvestigation within 30 days and under section XXXX promply delete unverified information. Your response states that you will not reinvestigate specific accounts on my credit without an update from the court or the original creditor. This is a violation and the Congressional opinion from a lawsuit will prove this. I have notified you that these accounts are inaccurate on my credit and you must reinvestigate ; if you do not, you are in violation of sections XXXX ( a ), XXXX and XXXX of the FCRA, XXXX XXXX XXXX ( a ), XXXX and XXXX. XXXX ( a ) places the burden of investigation squarely on the consumer reporting agency and by stating that I must handle this myself with the original creditor, you are in violation of said statute. 
Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to XXXX XXXX a ). I am including a lawsuit, XXXX vs XXXX XXXX now Experian XXXX XXXX XXXX XXXX. My lawsuit against your company will include violations of the same statutes, XXXX U.S.C. XXXX. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. XXXX XXXX. XXXX. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. XXXX XXXX. XXXX. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
By stating that I must resolve the problem with the creditor or that without an update from the creditor or court, you are in clear violation of XXXX XXXX XXXX XXXX XXXX a ) and XXXX ( b ). This position has been rejected by the United States Courts XXXX. Rather, the statute places the burden of investigation and reinvestigation squarely on the consumer reporting agency. 
Not only that, but I disputed a bankruptcy on my account that does not belong to me and it came back as verified, yet when I wrote to the court, they stated that they do NOT verify with the CRAs, therein making this account unverified and must be deleted.
I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX  when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
I was involved in a small fender bender while driving a rented car from enterprise leasing while I was back in between XXXX in XXXX. It was just a small fender bender and no one was hurt and only small scratches to the bumper as confirmed by the police report. I had purchased the rental insurance at the time of renting the auto and I had my own personal insurance through XXXX as well. The accident happened XX/XX/XXXX. I went back oversees on tour and while away I was sent a collection letter from a company named XXXX claiming I owed {$28000.00} dated XX/XX/XXXX. I did not see the letter till I returned and was shocked. I called and explained that I didnt owe them anything I had insurance and they didnt care. I called XXXX and they said they couldnt find any record of anything and then I contacted XXXX. XXXX looked into it and they were sent the claim. They refused to pay the claim becasue they said it was too high and frivolous. They claimed that if I was served or sued they would pay the claim but thats it. I consulted an attorney and they were unable to do anything. I went back for another tour and just figured I would have to wait and see if they served me. When I got back nothing had happened. So I went to get approved to buy a home and when they pulled my credit I was shocked to find that the collection was showing from XXXX on my transunion credit report. It wasnt on any of the others but none the less it was keeping me from getting a mortgage and buying a home. I disputed the account through transunion twice sending the proof that I didnt owe anyone because I had insurance. They just verified the information both times and I still cant get approved on the mortgage. I had to end up renting again and paying more than I was going to pay for buying a home. Please help me get this off my credit report it is not fair and shouldnt be on there. It has nothing to do with me not paying a loan and its clear that I dont owe it because insurance should have already paid it. Lastly they did all of this to me while I was XXXX. Please help.
I was unemployed due to medical reasons in the past and my federal loan provider only offered Deferments and Forbearance 's. They only gave me the option for an Income driven plan after I ran out of Deferment 's and Forbearance 's. I FEEL like I was intentionally led to the wrong options at the time causing the interest on my loans to escalate to a ridiculous amount. The dates are from XX/XX/XXXX to XXXX. 
The amount is XXXX. No actions have been taken.
Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.
Select Portfolio services is my mortgage holder when I fell behind do to my XXXX in my payments they refused to help me ketchup when I contacted them to see if there was something I could do they continuously told me I needed to submit forms and other documentation that I had already previously sent they continuously put my situation off now to the point where I can not possibly afford the catch up they then suggested doing a deed in lieu but because I had fallen so far behind with them and with the association which is contributed to my XXXX that my HOA dues monthly are more than my mortgage payment so between the XXXX I can no longer financially live here and because of the HOA placing a lien against the property Select Portfolio servicing Representatives stated that I needed to do a short sale and that my property did qualify for a short sale. Then I contacted a realtor to do a short sale, once the realtor started filing the necessary paperwork for a short sale then once again SPS started requesting paperwork but they had already been given in stating that they had not received it in the first place when the realtor also filed a letter stating that I am a XXXX American that 's when all the trouble started. Then sps wanted to do a new appraisal that was the third appraisal and that appraisal came in less money than the first XXXX but still SPS will not do a short sale for me which would allow me to receive up to {$10000.00} dollars for relocation funds. So between the hoa due 's and mortgage it brings my monthly payments to {$540.00} per month. It seems that is management has put me on a black list and refuse to allow a short sale. I need Help please
never heard anything now all the sudden I have 2 different collection companies for the same debt with no license in Texas to collect delete it now the statue of limitations is over my next step is sending this to my lawyer
I have 2 inquiries from capital one that I did not authorize. 

XX/XX/XXXX and XX/XX/XXXX I 've called to have them removed as I did n't authorize but they have n't been removed yet.