WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my vehicle XX/XX/XXXX at XXXX XXXX I was told by the sales guy that after a year I would be able to trade my vehicle in if I paid my payments on time in which I have never missed a payment. I decided to go to XXXX XXXX XX/XX/XXXX to trade my current vehicle in for a new car. The sales guy told me that the person that sold me the car was just saying that and its not completely true. I have been paying my car note on time with no issues at all and was denied as they told me car is too low which is not true. This program the Fresh Start Program is  misleading and takes affect on me as the XXXX XXXX has ran my credit to basically waste my time. Not only does this steer me away from doing future business with XXXX XXXX but this takes affect on my credit as well. I was even told by the agent that after a year XXXX XXXX was to transfer my loan to actual bank since I have paid on time and none of this has been done. XXXX XXXX really scammed me into something that I am stuck in and wasted my time as well. Coming from an on time paying customer
IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.
Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this
I have been a BP Visa credit card holder since XX/XX/XXXX. This card was a fixed rate, 8.49 % card on all purchases. Around the credit bubble in XX/XX/XXXX-XX/XX/XXXX, I received a notice from BP that gave me XXXX options : 1 ) maintain the low interest rate but now have a minimum payment equal to 5 % of the balance ; or, 2 ) continue with the 2 % of the balance as a minimum, but the interest rate would be variable - and at that time around 14.9 %. I opted for the former, even though at times that made my minimum around {$1300.00} per month. That was not a concern for me as I preferred having all that additional money applied to the principal. And, if you reviewed my history, I have never had a late payment in these past 21 years, even when that monthly payment was at or greater that $ XXXX/month. In XX/XX/XXXX, Synchrony Bank assumed ownership of my account. And, although I am sure I was provided with a communication, it was likely hidden or concealed in a way that I overlooked a drastic and insulting increase. Although all past purchases stayed at the agreed upon rate, all new purchases were 26.99 %! This, despite any delinquencies on my part and with me having no choice in the change in bank from the one I signed on with and whom provided me with a fixed interest percentage to the one now ( Synchrony Bank ) that is obviously taking advantage of some loophole to take advantage of an unknowing and unwitting customer. I have estimated the money lost which is actually a guess of what the increased interest has caused in the form of lesser amounts amounts to principal. Of course, with an ongoing balance this amount will accrue at an astronomical rate compared to my 8.49 % rate that I signed up for and have had in place since XX/XX/XXXX.
I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.
I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.
Good Morning, Since XX/XX/XXXX I paid the balance in full on account held at XXXX   XXXX for a prior unpaid debt of {$690.00} related to a XXXX bill from 7 years ago ( the account was originally one from XX/XX/XXXX ). I have cordially spoken with XXXX  XXXX representatives on multiple times over the past few months. I have requested the following information from them but have not seen any results despite each representative agreeing that they would see that the matters are taken care of : 1. I have requested a receipt that shows that I paid this balance in full to them ; Even after verifying with them that they have my correct telephone number, current mailing address, and email ( on the last 2 occasions, the representatives promised that they would escalate the issue to a Supervisor and that I would be emailed a receipt for the payment on the same day that I placed the call to XXXX XXXX ) 2. I requested that since the debt was paid and the account is 7 years old, could they please send updated information to the credit bureau to show that my account is paid in full instead of it being listed as unpaid ( I have checked my credit reports from all three major credit bureaus and Equifax still shows this account as being in collections with an unpaid balance of {$690.00} ). 

3. I requested on the last 2 occasions that they please provide me with a Deletion Letter, of which on both occasions, the XXXX XXXX   representatives that I spoke with both said that a Deletion Letter being sent to me would not be a problem and that they would get that sent to me. The last time I called, the representative even told me that she could have that letter emailed to me. 

Of those 3 requests that I made for this paid debt, I have not received any response that they agreed to during the phone conversations. This is very frustrating. 

I have made calls to them at the following dates and times ( Eastern Standard Time ) recently : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 3 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 4 ) XX/XX/XXXX at XXXX XXXX  spoke with a person who identified themselves as a Team Leader at XXXX   XXXX at XXXX I included these dates and times as well because these phone call likely have been recorded for quality assurance.
I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner.
My unpaid medical debt owed to XXXX  XXXX Hospital of XXXX XXXX XXXX, FL for services provided for the birth of my son dated XX/XX/XXXX, showed up on my credit report XX/XX/XXXX. 

This is an exact example as to the information I was provided about the mentioned debt shown on my credit report dated XX/XX/XXXX. 

Account Details Last Reported - XX/XX/XXXX Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX  XXXX MEDICAL CENTER Status : Open Opened Date : XX/XX/XXXX Closed Date : Responsibility : Individual Account. 
Balance : {$1200.00} High Balance : {$1200.00} Remarks : MedicalCollection Agency : XXXX XXXX XXXX  I paid the balance of {$1200.00} in full in XX/XX/XXXX and never received notification/proof of payment. This debt was removed from my credit report on XX/XX/XXXX which is proof that I settled my debt with them. Now, two and a half years after my service date, XXXX XXXX Medical Center is claiming that this balance was never paid by XXXX XXXX XXXX and/or communicated with them that I in fact paid my balance in full. They are trying to bill my again for a balance that I already settled with this collection agency.
I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity.
On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.
I did a kitchen remodel with the home depot, the designer told me I could open a home depot credit card interest free for 24 months. My interest free promotion ended in XX/XX/XXXX. I have my credit card on autopay, as I do all my bills as not to miss a payment. The autopay on XX/XX/XXXX was 7 times the usual amount so I looked up my account and saw that they added XXXX in interest to my balance of XXXX. After the shock I called them, furious, no warning from them about this and was told it was deferred for 24 months and had it explained to me. I wish it was explained to me when I signed everything for my new kitchen. I had a citi bank card and an XXXX with o % promo balance for 12 months. The difference should have been explained, The home depot I went explained none of this. That deferred feature should have been pointed out, That is not truthful or fair business practices. The home depot customer service rep I had on the phone asked if i signed the contract, yes I did along with the kitchen remodeling contract, there were many papers and I trusted my kitchen designer at the home depot to disclose something as costly as this, he knew I was on a tight budget and we kept changing materials etc to lower costs, This can not be legal. I would like that interest reversed and I will pay the balance in full.
I am uploading a copy of a letter I received from experian credit reporting agency in regards to information that is fraudulent and reporting on my credit report. I have disputed this account numerous times and keep getting the same response. I did not make these fraudulent charges and should not be held responsible. It is also damaging my credit score and credit worthiness having this account on my report. Today they send me this letter stating unless I have additional information they will not re-investigate this for me. It is my right to have this investigation done as many times as I need it done untill it is confirmed I did not do these charges. XXXX  did an investigation and it came back to remove off my report. Experian has no right to tell me they wont investigate again
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for 60 days, Citi Bank would give me {$400.00} within 90 days after the 60 day balance requirement was met. 

I opened my account in XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. 60 day requirement was met two months later in XX/XX/2018. 90 days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me. I tried the chat service. All the customer service representative just repeated what the promotional offer was but the issue was not resolved. Both of the customer service representatives had no updates and had no information to resolve the issue. The representatives told me to continue waiting additional days on top of the 90 days I already waited. 

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
On XX/XX/2018 I agreed to purchase two tickets to a XXXX XXXX game for {$250.00} total. The seller said he banked at Wells Fargo and preferred to use XXXX. I did not know anything about XXXX so I logged into my Wells Fargo app and XXXX showed as an option. I assumed there was purchase protection because it was endorsed by my bank and as the buyer stated, why would I use my bank account to do a fraudulent purchase? ". I transferred the money and never received the tickets and the person never returned calls. I immediately called my bank to try to cancel the transaction, they said that they had already sent it and I could not cancel. They said unfortunately because you authorized the purchase there is nothing we can do. There is no use in filing a report with our fraud department. He said I could file a police report if I wished to. If a bank is sending money to another bank, they would have that information. Wells Fargo refused to help.
XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after
I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # XXXX
XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX i have called in to kentucky housing corporation main number, i work XXXX -XXXX XXXX est by the time i get off work they are closed unable to be reach. kentucky housing corporation has no complaint management system, they have not followed up with me, and disrespected me upon calling in and trying to get my account fixed, they reported my account in default have never contacted me back on XX/XX/XXXX i was transferred from the main line to collections to make a payment and got disconnected from. i am being forced to pay fees to make my payment and late fees and having my credit being reported badly as a missed payment. i've done my due diligence to make my payments set up online, except as i was logging in from XXXX they have cancelled my online access never allowing it to be restored. they are acting under fraudaulent pretences and have not captured any complaints i've made in calling to them. i want my fees paid back to me, my online account access restored, and a written letter of stating you are fixing my credit bureau, who i am also making aware of the terrible business practices kentucky housing corporation is handling accounts, and treating people with no respect like we are nothing to them just terrible people.
I had an American express green card, i called their customer service line regarding a question about my reward points. I was offered an upgrade to a platinum card by the representative. I declined the offer because of the spending terms, Then he said he could upgrade me to a gold card. I accepted. i received the card in mail. About a month later i received two statements and called American express to find out when they would be merging my green card account with my gold and they informed me i had two accounts. I said i did not want two accounts they said i can just close the green card. I advised I did not want to do that because it would negatively affect my credit rating and that is not what i agreed to do. They said I did. I filed a complaint with American Express. Then i finally got a response back 5 weeks later after several other phones calls and was told that the recording has the representative reading a disclosure to me and that means i was told i was opening a second account. I told them the representative did not explain what he was reading disclosure for, i assumed it was normal protocol for upgrading. I asked for copy of recording they refused said i have to get a subpoena and mail it to them for the recording, i asked if we could listen to call together and they said no. Then the supervisor said she could speak no longer about the situation. If American Express is going to use a recording to make a decision that affects my credit why cant i at least hear the call? I need American Express to correct my credit Bureau so i do not suffer any adverse consequences on my report.
OnXX/XX/XXXX I sent the company a letter demanding validation of the balance they are seeking to collect. The company has failed to respond to my request for validation of the account but is still reporting the information on my credit report.
I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.