WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, XXXX and XXXX. I contacted XXXX XXXX because my credit limit was lowered without prior notification for ( 3 ) cards I have with them. XXXX , XXXX, and XXXX XXXX. I reached out to them because when I logged in online my available credit was {$0.00}. After contacting them I was informed that a letter was sent to me on XX/XX/2018 which was ( 2 ) days before I noticed this issue. A letter that I still have yet to receive. The ethical thing to do would have been to notify me first advising that on my next statement that my credit limit would decrease. This would at least have allowed me the opportunity to make a payment that would provide me with an available credit balance.
I purchased a car loan from this Company in XXXX 2015. I advised the car salesman when asked for my employment number that I can not receive personal calls from work. I was advised my work number was needed to verify employment. My employment was verified before I was able to purchase the car. Ever since I purchased the car, they have been harassing my supervisor and Human Resources Department for late payments. My supervisor advised them on recording at work that I was not able to receive personal calls as they were tying up a consumer line. A representative at Consumer Portfolio Services said they would delete the work number and not call anymore. A day later, the calls begin again. I am trying this as a first attempt to stop the calls. I was advised that if this did n't work, they will be reported to the Attorney General 's office as all calls are documented and recorded at my place of employment.
I was 15 days late on my car payment and credit acceptance took my car in XXXX illegally without sending me any notice that they were going to do it, I called credit acceptance and asked them why did they take my vehicle. They said because I had a late payment and that they have a right to pick up the vehicle when it 's a late payment. I went and got my car back the same day, I had to pay towing, storage, and a repossession fee as well as the 15 days that I was late, plus the payment that was coming up before the due date.
I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.
Wells Fargo is charging nusisance fees on my interest free card marketed as a balance transfer card. I am still within the zero interest period. BTW the bank places the onus on me to recall what the period is and DO NOT issue timely reminders. Oh " great '' customer service, right? 

They refuse to reverse the current fee. This from an institution that has been assessed serious penalty for phantom accounts. Now they are trying phantom transactions under the noses of customers who like myself have been with them for over 20 years when they were Wachovia. 

The agreement is " interest free '' I only pay the balance and DO NOT incur any transaction fees since I DO NOT and HAVE NOT made any purchases that would incur an interest charge. 

On its face this is a violation of state and federal banking regulations and please tell other consumers by way of this complaint to watch out.
I made my first purchase with Pay Pal XXXX, 2015 and it was a promotional purchase. I 've asked to have my payment post on that purchase, but I learned they have n't been doing that until last month and now this month. The have me calling every month to put that money on that purchase and if I dont call they will place the payments somewhere else. Also I returned an item which they gave me credit for but they refuse to take it out of the promotional purchases and have it collecting interest. How am I going to pay interest in something I returned? I just made the call for this month and was told it was good for me to have the returned purchase still collecting interest. I dont know what else to do.
Receivables Performance XXXX, put a thing on my credit report. They say I owe money to XXXX. XXXX does not recognize that I owe the company any monies. I contacted Rec. Performance a month or two ago and was told they would look into it and get back to me. I have NEVER received ANY communication from Rec Performance and only found out about this via a report on XXXX. I have spoken with you about it previously and contacted XXXX. Other credit reporting agencies have removed it. Thanks for you assistance XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. 

XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XXXX 2016 I opened a checkings account at Wells Fargo Bank in XXXX, MD XXXX based on an offer for {$100.00} cash bonus for set up direct deposit within 2 months. I set up the direct deposit from my employer well within this 2 months time period but because processing time the first direct deposit showed up 2 months 25 days after opening the account. Wells Fargo clerk XXXX XXXX XXXX XXXX and Manager XXXX XXXX XXXX XXXX refused to pay the {$100.00} bonus even after I repeatedly pointed out that the language used in the bonus offer document states " set up direct deposit within 2 months of opening account '' ; it did not state " first direct deposit should appear within 2 months of opening account. ''
I have been working since XXXX 2016 to get a item removed Target XXXX Bankaccount # XXXX was paid to XXXX, all of the items have been removed from my XXXX bureau except this team. i call Target they transfer me to XXXX, I have been told multiple times this should not be on my credit and that a electronic submission has been sent, Please help me resolve this issue
I was involved in a XXXX issue for the past 2 years. I have received a XXXX order. Due to my continued efforts over the last 2 years to leave my ex common law spouse I was forced to break XXXX leases. I now have these broken leases reported on my credit report. I am trying to relocate and restart my life but am unable to rent at any establishment due to the broken leases. XXXX XXXX Broken lease was with XXXX and occured approximately a year and a half ago. XXXX occured about 9 months ago with XXXX. XXXX been placed in collections.XXXX is with IQ Data International Inc. and XXXX is with XXXX. I have uploaded my protective order. I need these removed from my credit report in order to rent a place for me and my XXXX kids.
I transferred {$90.00} to buy baseball tickets through my Chase Banking mobile app using XXXX. I used this form of payment because I believed it to be the safest way Since the payment would be linked directly into the other party 's bank account and has been promoted directly by Chase as a safe and easy way to send money. Of course they add " to people you know '' in order to protect themselves I see now. ( I thought, how could this be a scam if this transaction can be traced right to him, right? They have transaction records and know exactly who is accepting the money. ) He initiated the request. As soon as the money was transferred via XXXX he blocked my phone number and was unreachable via text or phone and I did not receive my emailed tickets. 

I contacted my bank which not only couldn't or wouldn't do anything about it, but didn't even have a phone number for XXXX! I'm in shock! Is it really this easy to get away with stealing people 's money this day and age with absolutely no recourse? 

Chase was able to tell me what bank the recipient 's account was ( XXXX XXXX XXXX ) at so I called them to inform them they have a scammer using their bank. There wasn't much they were willing to do either. I have the scammers name and phone number associated with his XXXX account so hopefully they do something about it.
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.
I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. 
SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX
This account is showing up on my Experian report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and Experian. Please alert them of this reporting negative on my Experian report. All other agencies have corrected it.
I had my identity stolen and someone had tried to open new accounts and made hard inquiries under my name without my permission. 
XXXX XXXX XXXX XXXX XXXX Pentagon XX/XX/2018 XXXX XXXX XX/XX/2018
ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE.
XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( MCM ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/MCM XX/XX/XXXX - Received a response from XXXX XXXX/MCM claiming the information provided by the previous creditor ( XXXX ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX  stated : XXXX XXXX/MCM balance is correct and XXXX  investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. 
I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.
I have disputed a debt with Experian 5 times with a response that the account being reported on credit report has been verified and is accurate. I called Experian today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called Experian back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to Experian and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an Experian agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that Experian hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is XXXX XXXX XXXX with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
Revolving balance previously {$570.00} at 9.99 % was moved to higher rate of 23.07 %, after charge of {$740.00} was charged at higher rate on XX/XX/XXXX18.  However, this charge of {$740.00} was also paid in full on XX/XX/XXXX18, in additional to and above minimum payment of {$27.00} ( totaling {$95.00} - paid XX/XX/XXXX and XX/XX/XXXX ). Was told we paid the higher rate balance too soon ... and should have  waited for billing statement to generate so system could apply it at higher rate. Advised that is not what the CARD ACT states. If I charge {$740.00} and then pay in full the entire amount the same month or in this case weeks later, the revolving balance should not be moved to higher rate. We should not have been penalized for paying ( a higher charge balance ) too soon. Seeking to have funds applied as intended and as CARD ACT states, payments should have been applied to higher balance first. At this point, payment application needs to be reversed and reapplied to higher rate first, regardless of when " statement generate '' date is. There is no exception for a " statement generate date '' in Card ACT and doesn't appear to have been the intention of same. Which means many others are also being negatively impacted by this systematic error in programming done by Capital One/Cabela 's
I called Equifax on XX/XX/XXXX to complain that I have multiple incorrect inquiries placed on my credit report from when I went to purchase a vehicle last XX/XX/XXXX and XX/XX/XXXX. I explained a representative that I walked in my local dealership, XXXX with a preapproved letter from XXXX XXXX with stated interest rate and a preapproved amount. I had a verbal agreement with the sales manager that my credit would not be ran through several different banks as it was at my last vehicle purchase in XX/XX/XXXX. It was agreed that XXXX/XXXX does there own financing and could beat the rate on my letter. I called to advise Equifax that because this was done without my consent, it was not authorized and should be removed. I was told by two different representatives it could not be removed but if I got a letter from the dealership that it was done in error, it would be removed. I drove into XXXX and spoke with the sales manager who advised he remembered me and they did not run my credit through multiple banks. I pulled up a copy of my credit report on my phone and he stated he would get me a letter in 2 days to mail to each bureau as this should not have been done. I obtained the letter, mailed out, XX/XX/XXXX and receive a letter yesterday that the inquiries were accurate and would remain. Also 2 of my student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days.
No one has validated this debt, even though several validation letters have been sent out of the span of 2 years. I am trying to buy a house at the moment and this collection is hindering me from doing that. Thanks
The company Fitzgerald, Goldman & Associates XXXX XXXX XXXX contacted me via an automated call today at my place of employment after being told not to call me at work. I called them back LIVID and told them once again not to call me at work. She said that they would continue to call until I made arrangements to pay the debt. I asked who the original lender was, she said that it was a payday loan but would n't give me the name of the company. I told her that they needed to contact me via mail with documentation. I told her that I had never received any correspondence. She said that had sent correspondence. She is a LIAR. I have NEVER gotten any correspondence.
I was on a repayment plan and have defaulted as we had other bills in place. I advised them I would like to get back on that plan but am unable to repay the defaulted amount. They said the only way to get back on a payment plan is to increase my monthly payments which I can't afford to do. So they call me 3-7 times a day starting at XXXX XXXX. My husband is a cosigner on my loan so they call him 3-7 times a day. My husband also has a student loan. He is in the XXXX and was supposed to have his XXXX XXXX applied to his loan, which we told the loan company but they don't care, they just say well it's not. They want us to pay just as much for his loan as we do for mine which I can't afford. We tried to apply for income based-but we make too much money. They don't take into account all of the monies that we pay out. So they call us 3-7 times or more every day from multiple phone numbers. We have asked them to not call us from dialers hoping to lessen the number of calls, but it hasn't lessened it at all. I don't feel like it's fair that a normal debt collector can't harass you like this, but that Navient is allowed to do it.
3 Fraudlent charges on my TD Bank Debit Card ( please see attached images ) totalling {$490.00}. The charges were to XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/18 - XXXX XXXX XXXX {$400.00} Another charge to XXXX XXXX XXXX {$8.00} XX/XX/18 - XXXX {$81.00} I told my bank and they can not guarantee I will be refunded my money
They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.
I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.