WillisBack/dataset-financial-user-claim huggingface dataset:
When the servicing of my loan transferred to Great Lakes they discontinued the auto pay function that I had set up with ACS. This resulted in my account becoming past due. I 'm concerned it XXXX have also affected my rate and my credit. I contacted Great Lakes because of emails I received, but I was not sure who this company was and immediately it asked for my social. Who gives out their XXXX to a stranger that emails them? When I asked to speak with a representative she explained it was due to 'hackers ' and 'my privacy ' that they do not continue the auto pay from XXXX servicer to another. I feel this is an unfair and deceptive act or practice. I now have the payments made and the auto pay corrected but if my rate or credit were affected I want it fixed. I also think that servicers should be required to sustain automatic payments when transferring. The lender is the same!
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over 8 year old. XXXX closed they business in XXXX  and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
have had a Chase Military Star Card now Chase Freedom card for about 8 years. When they discontinued their affiliation with the XXXX XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from XXXX to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 15.24 % in XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate
I am refiling a claim due to lack of response to my dispute to the credit card company 's response and lack of response on XXXX XXXX, XXXX. I received acknowledgement from Consumer Financial Protection that my response was received. However, I never received any acknowledgement from the credit card company, and it has been nearly one month since I submitted my dispute. I was paying {$8.00} a month for credit protection, i.e. XXXX, through the credit card company. XXXX NEVER notified me of suspicious or unusual activity on my credit card. 

Regarding me disputing the charge that posted on XXXX XXXX, XXXX, and denying the XXXX fraudulent charges, I had called in and found the charge for XXXX charge pending. This is evident by me receiving conditional credit for the disputed item on XXXX XXXX, XXXX, and the actual charge not posting until XXXX XXXX, XXXX. When I learned that it was an XXXX web site, I had reported the charge as fraud. Being XXXX I have no use for a site such as this and was extremely embarrassed to even have to speak to a representative regarding this charge. I had no knowledge that the XXXX charges took place a few days later. 

The remaining charges that month are truly fraudulent and I respectively ask that you do one or both of the following : 1. Request the credit card slip that shows the signature of the purchaser because my credit card said " Check ID '' on the signature line. I am physically unable to sign my name XXXX. 
2. For the cash advance charges request the video and see who was using the ATM because I did n't know the pin number since I do not use cash advance. 

Furthermore, I was preparing for my divorce trial in district court at which I had to appear and testify from XXXX XXXX until XXXX XXXX on XXXX XXXX, XXXX. 

Lastly, as for the balance being paid in full, I was attempting to keep my account in good standing and was going through many personal and medical issues at the time and did not keep close watch on my personal business. It 's only because of finding an off-the-wall fraudulent charge 1 1/2 years ago that even prompted me to examine ALL my credit card accounts, past and present. 

Thank you for your attention to the matter.
Bank of America offered an XXXX XXXX credit card with an introductory XXXX miles upon spending XXXX XXXX Therein lies the problem, when I had applied to the credit card, I had inputted a separate residential and mailing address. Afterwards I filled the rest of the application and was approved immediately. 
After waiting a while I realized that I never received the card at my mailing address, it turns out that Bank of America sent the card and information to the residential address ; assuming that the information mailed out to the residential address ( which I still have not received ). Herein lies my complaint : 1 ) I was not enrolled into the advertised credit card, but was instead enrolled into a different card with the same spending conditions, less miles earned per dollar spent and less miles earned for meeting the spending requirement ( XXXX instead of XXXX ). None of which were made known to me at time of application, acceptance letter, or delivery of the credit card. 
2 ) Upon requesting the local bank of america branch for help to see when I would be receiving the XXXX miles, they made it known to me that I had received the lesser valued card, but had still assured me that I will be getting the XXXX miles. 
3 ) Early XXXX, after half a year of waiting for the miles, I went to a local bank of america branch again and was told to wait while they worked on the issue at hand. This issue still has not been resolved. I was told then that they would fix the problem. 
4 ) today XXXX.19 I was told that they are refusing to even compromise and that I was not qualified for earning the XXXX miles even after being assured multiple times that I would get it and they refuse to work with me on any further subjects regarding this matter.
This is not one specific incident, simply a frustration with a recent change to mortgage billing. I believe a law has recently been enacted that requires monthly billing statements rather than coupon booklets ; I presume the method behind that is to serve as a reminder for borrowers to make their payment, rather than being expected to submit payment on their own via coupon booklet without prompting. That, in and of itself, is ridiculous ... .the mortgage payment is due at the same time every month ... 
if you ca n't be responsible for making such an important payment, then a late charge or being reported to the credit bureaus, is simply a consequence that you 've earned. All of that aside- if monthly billing statements are necessary, why can they not be mailed out earlier in the month? Typically these statements are cut in the middle of the month, by the time I receive the billing statement, often I 've already mailed payment in. It 's frustrating, because losing the ability to use a coupon booklet limits the control you have on when payment can be mailed & what documents you have available to you before issuing payment.
Capital One called me regarding a request I put in about rewards miles and called me by the wrong name, likely had a different customer 's info up on the screen at the time. It took over 2 weeks to have their executive resolution team contact me to  address. Since then, capital one continues to promise call backs and fails to do then. 4 times I was promised a call back in 24-48 hours and the call back never came. Agents and even managers hang up the phone in customer 's face. Company has  TERRIBLE service across the board.
Trans Union sent a dispute to the creditor XXXX XXXX XXXX Credti Union XXXX and the creditor did not correct the issue on my credit report. I also had sent in documents to prove that the loan on my auto did get paid in full.
HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.
cra violation inaccurate information no knowledge of accounts on the breach of Equifax sent po report XXXX XXXX
This morning, I sent money to my wife via Western Union. I was provided an XXXX # ( XXXX ). I was informed the recipient was unable to receive the funds because the XXXX was incorrect. Western Union collected the money from my checking account, but has not credited my Western Union account. I was advised by my credit union that they could not cancel my debit card transaction because I " entered into a contract '' by using my debit card. I was provided a " system trace audit number '' and " sequence number '' by my credit union. I emailed screen shots of this transaction on my checking account and a picture of the document provided to me by my credit union with the technical numbers associated with the above listed transaction. The Western Union help desk. I was given the help desk reference number of XXXX from the email address XXXXXXXXXXXX.
I 've received multiple emails from Navient on the XX/XX/XXXX. All of the links in the email does n't work with any of the browsers on my computer, ( XXXX XXXX, XXXX, XXXX ),  and I 've tried multiple calls to Navient on the XX/XX/XXXX through the XX/XX/XXXX ; they all claim that the site is fully functional, and the links should be working. 

I 've went ahead and gone directly to the website, and the site loads, but once I attempt to get to the login page, all the browsers still state that the site is non functional and " ca n't provide a secure connection ''. This makes me feel questionable about Navient and its security practices, if their own sites ca n't even make a secure connection to my personal information about me and my student loans.
Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks
I would like some intervention with this company for the following reasons : # 1 I have repeatedly asked the original creditor for a breakdown of the amount allegedly owed. I never received any such breakdown. ( i.e. mileage, billable hours, gas, etc. ) # 2 This is not a refusal to pay ; this is an attempt to receive a breakdown in the billing which was requested numerous times from the collection agency and original creditor and never received. I will not pay a debt that is not adequately and legally explained to me # 3 When I call and attempt to get this information which is my right to have, I receive a hang up I will not pay a debt that I do n't owe. I will not pay a debt that is not broken down for me to understand where the debt originated from as described above. I am not refusing to pay this debt, but I will not accept a statement with the full balance ; this must be broken down into billable hours, mileage, gas, food, etc. This was the agreement between myself and the original creditor and was not delivered to me.
XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
XX/XX/XXXX we purchased XXXX XXXX XXXX ( used ). GM Financial was the lender. 
XX/XX/XXXX Due to medical illness in the family, we returned the car to GM. 
XX/XX/XXXX After several telephone conversations, we received a letter from GM offering a settlement of {$3900.00} with monthly payments of {$330.00} a month until paid XX/XX/XXXX. We believe that we made these payments thru XXXX XXXX as they requested. 
XX/XX/XXXX we received an email from XXXX XXXX XXXX XXXX stating our payment schedule was completed and the account was disabled. 
XX/XX/XXXX we pulled our credit report and was surprised that GM Financial still reporting that we owed {$3900.00} and it was a charge off. We disputed this with the bureaus and they reported back that this amount was correct per GM Financial. 
After receiving the reports from the credit bureaus, I did contact GM Financial, they stated that we still owed the balance, but offered another settlement for {$1500.00}. I requested a copy of my account to see the transactions that they posted. No paperwork was ever received by us. We have lived at the same address since XX/XX/XXXX, where they picked up the auto. We also have the same phone number XX/XX/XXXX contacted XXXX XXXX, XXXX of Washington to assist us with this matter to get it resolved. She directed us to contact GM Financial and request again for our activity on our account. 
XX/XX/XXXX We are disgusted with GM Financial and have started to keep notes on our calls. On this date I was on the phone with them for 1.5 hours being transferred back and forth between Loss recovery and Customer Service. They finally asked me to call back the next day, as they could not find or give me any information. 
XX/XX/XXXX I called GM Financial back. I was informed that I had not made my payments as agreed. Requested copies again of my payment record. Was told that they would be sent to me within 2 weeks. They offered me a settlement of {$1800.00} this time. Seeing as I know I made payments, I stated I first needed copy of my record. 
XX/XX/XXXX Nothing has been received from GM.Called GM, they stated that they would re-order the payment record to be sent to me by mail.. Again, I would be 2 weeks. My mailing address was confirmed with them. I was also informed that the {$1800.00} settlement was only good for 24 hours on XX/XX/XXXX. 
XX/XX/XXXX Called GM as no paperwork has been received, GM stated it would go out XX/XX/XXXX. 
XX/XX/XXXX Called GM as no mail has been received from GM. They stated they would fax and I should receive within 48 hours. 
XX/XX/XXXX Called GM as no fax or mail has been received. Was informed that our file was sent to XXXX XXXX  XX/XX/XXXX. I was given a contact number for XXXX XXXX and they could not locate any account for me. Called GM back once again and they stated they would call XXXX XXXX and call me back within 24 hours with the needed information.. As of today. XX/XX/XXXX I have not received any phone call, mail or fax. 
We are so frustrated as we want to clear our credit so we can purchase a home. This credit score also affects us in other financial items. 
We appreciate any assistance that you can obtain for us.
I filed for Chapter XXXX bankruptcy and XXXX was aware of the debt. I disputed the amount owed and XXXX would not reduce the amount to the correct amount. 

I never received further communication nor did I receive any communications from Allied Collection agency to review the bill as well as dispute the amount. They posted the account open on XXXX XXXX 2015 yet never notified me. I only found out today because my score dropped almost XXXX points which was a XXXX credit score and now is a XXXX - ruining my credit and defaming my name.
Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.
Ample documents have been provided to you, eastern account systems, all of which have provied there was never a debt owed and XXXX radiological was to be responsible for any balance. This information has been provided to you, eastern collections via certified mail. Yet you have continued to ignore it and willfully and intentionally violated fcra causing me damages. 

I find it concerning that The balance line that you speak of in our last complaint ( which was specifically sent to me AFTER I disputed this erroneous debt by your company, eastern account systems ) was noted and reflected as zero. This information was also provided to the Texas attorney general as well as CFPB. My current credit report lists this as a paid debt and not a removed debt as you claim. ( Your third fcra violation by the way ) You were provided the information to dispute the debt via certified mail and placed it for collections regardless another of your many fcra violations. At this point I am seeking legal counsel and you can consider this my intent to sue. Do not contact me again regarding this manor.
sent them information about inquires that are not mine they just left on there exp, XXXX XXXX
I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
Please help two people are trying to open accounts and say they are me, they even opened an account with Credit Karma, under my email address, but has there own pass code, so I could not open an account at Karma. Could someone please call me asap, this is fraud, I can get any of my reports because they put phony info on apps they filled out, not since i cant answer some of there questions, I cant get my reports to see what these people are doing, I know one is my brother They robbed my home twice in 5 years. I am getting a lot of mail in there names sent to I have lived here 20 years, please can you report this and help me find out what they have done or trying to do
I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the XXXX XXXX.
My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.
I have paid over {$340.00} for an Old Navy CC bill of {$70.00}. However, I am still getting bills! Not only that, but they have reported me to the credit bureaus and lowered my limits on all of my other cards because of their mistake. I have filed three investigations with Synchrony and two prior complaints here. I get no where with XXXX XXXX! The extra charges were supposed to have been removed, but instead they are sending me bills for more money. The E checks from my bank clearly say OLD NAVY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Why they are applying them to my Gap Card XXXX only knows! Especially after multiple investigations and complaints!