WillisBack/dataset-financial-user-claim huggingface dataset:
What I said in my complaint ...       To whom  it may concern, I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.
Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16
I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.
I opened a Capital One Credit Card account ( Ending # XXXX ) in XXXX XXXX, I then had unexpected medical bills in the amount of {$90000.00}, I unfortunately had to file Chapter XXXX bankruptcy on XXXX XXXX, XXXX, It was discharged XXXX XXXX, XXXX, I submitted all the necessary paperwork to Capital One but am still being billed, have been paying them since XXXX, Am I entitled to monies spent refunded?
I requested my credit report from annual credit report website - and received my credit reports. I found several additional names on my experian credit report and tried to use their online site to dispute. However, instead of taking my request to dispute, their website told me to call a experian number. I called the number and their prompting told me to go to their website to get further information. I found instructions on their website which told me to follow the instructions for disputing that are contained within my credit report. I read the credit report and it instructed me to submit a dispute complaint to consumerfinance.gov. I am stuck in a loop and want to get these references of other names off my credit report.
I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???
On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.
I bought a phone contract with XXXX online, where I was told My service would include " international calling '' specifically, calls to the XXXX where my wife resides. I ask the agent specifically about this. I went to the local XXXX store and activated the phone I had received. A few days later my service was discontinued. I contacted the local store and they said I had to return the phone, because my credit was not good enough for the contract they had sold me online. I returned the phone and was refunded my payment. Then they sent me a bill two months later saying I owed them {$430.00} for the few days I had used the phone and for long distance calls. 
I contacted XXXX and explained how their agent expressly told me calls to the XXXX were " covered '' under my plan. However, after review they said my " international '' coverage was only for XXXX and XXXX. After my refusal to pay this ridicules amount they have turned the " debt '' over to a collection agency and even lied saying I had already made a payment, which I had ( my original payment online ) but that amount was refunded to me. They are the ones who terminated our contract without notice and I will not pay them because of their breach and lies about coverage.
I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX
I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.
I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.
Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.
I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.
I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination.
On XXXX XXXX, 2016 I initiated a funds transfer online via the USAA website. The transfer was from my USAA checking account and the money was to be sent to my XXXX Savings account. The transfer amount was for {$1300.00} After allowing several days for the transaction to process, I checked my accounts and the money had been taken from my USAA checking account but had not yet been sent to my XXXX Savings account. I then checked my " transfer activity '' via the USAA website and found the transfer to be " unsuccessful '' I then contacted USAA and was told to wait a few more days. After waiting some time, I contacted them again and was told my money went to the federal reserve and there was nothing they could do. I contacted them again to ask more questions and was told to contact XXXX Savings bank which I did and XXXX referred me back to USAA. I contacted USAA again and was told they could find my money for $ XXXX hour and told me it would take 2 business days but could not tell me how much it would cost. I do n't feel that I should be paying USAA to find my {$1300.00} as I have not made any mistakes on my end transferring the money.
Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.
Having some place called XXXX calling my work and I have never received anything in writing from them regarding this so called debt that I owe.
payday loan company offered a loan called really early scam they want {$110.00} up front. 
E LoanELoan.XXXX
My wife and I were living at XXXX XXXX XXXX XXXX XXXX, SC XXXX on or about XX/XX/XXXX I suffered severe medical complications causing us extreme financial hardship. We no longer had the financial means to maintain this property and no ability to utilize any of the services and/or memberships associated with the property. We ceased our memberships associated with the property, including the Signature Full Golf Membership releasing us from any on-going membership fees associated with the property and Golf Membership fees, also this property was subsequently reclaimed by the bank and resold to new owners in XX/XX/XXXX. Applied Business Services , Inc is a collection company working for XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a billing statement in the amount of {$120000.00}, this statement shows on-going billing for this membership up until XX/XX/XXXX. I 've contacted the Collection Company and XXXX XXXX multiple times pertaining to this matter and they have been unresponsive and placed a negative posting on my credit reports in the amount of {$120000.00}. I 've tried disputing this account with the credit bureaus and they continue to verify this account as accurate and correct.
Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.
I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.
ask for verification of debt and never received. this company of violated the hippa laws the protects consumer medical information
I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.
Was told I could not apply to have loans refinanced. Also told my only option for reduced payment was to make payments on interest only for a certain period of time, after which I 'd make larger payments which would have been larger than the initial payment. I was never informed of the income-based payment option.
Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXXthrough today ( XX/XX/XXXX). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails,XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.
I recently applied to Discover for a credit card. It has into APR of 0 % and after that the APR can vary from 11.99 to 23.99 As advertised, it reads : * Intro purchase APR is 0 % for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0 % for 14 months from date of first transfer, for transfers under this offer that post to your account by   XXXX   XXXX  , 2017 ; then the standard purchase APR applies. Standard purchase APR : 11.99 % variable to 23.99 % variable, based on your creditworthiness.
I have FICO score of  XXXX . I received a 23.99 APR! This is VERY misleading when it specifically says " based on your creditworthiness ''. How is it I received the HIGHEST APR with an excellent FICO score. I called the company and they said after a year they could look at possibly lowering it. I talked to the Manager and he said he could close the account. I told him if I close it, it affects my credit score and he said " I do n't know anything about that '' ... and he is a manager?!?!?! I feel this company is very misleading! It is a way of tricking you into thinking you will get a good APR, and when you get it, you do n't ... in hopes that you are not able to pay off your balance and the APR will skyrocket to 23.99!