WillisBack/dataset-financial-user-claim huggingface dataset:
The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.
Due to the Equifax security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with Equifax, XXXX, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. 

XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Two years ago, I was late on my mortgage payment. I made the payment and my check cleared the bank and the mortgage company was paid. My lender, Wells Fargo Mortgage sent me an invoice for the next month 's payment, which I paid. Wells Fargo sent me a check for the mortgage payment saying that they were refusing my payment. I deposited their check into my personal checking account. I received an invoice for my next month 's payment and I paid it just like I had done the previous month. This payment was also returned and I received an invoice for my next payment. As I usually do, I went to a Wells Fargo bank branch and tried to make my mortgage payment. This time the cashier came back and told me that my account was in default and I was in foreclosure and she couldn't accept my payment. I was served with documents stating that Wells Fargo had started the foreclosure process! I ended up pay legal fees and costs plus the payments that Wells Fargo had refused! About 1 month later, I started the process with Wells Fargo to get a HARP modification on my mortgage. The rate is 6.8 % and the current mortgage rates were much lower. After several months and after sending the same documents to Wells Fargo Mortgage many times, my application was denied because " It was not economically justified ''? So I went from " BEING IN FORECLOSURE '' to " MAKING TOO MUCH MONEY FOR A HARP MODIFICATION ''! Wells Fargo Mortgage caused me to have to pay hard earned money to them and fees to the attorneys and the court system. This was totally wrong and resulted in me paying money that was not justified and now showing a " FORECLOSURE '' on my personal credit reports. This resulted in my being denied for a mortgage refinance, cancellation of my credit lines, rejection and interruption of business relationships! Can you help me with this?
Related Case number : XXXX Related Case Number : XXXX I recently contacted the original creditor to re-investigate the error from XXXX requesting an unpaid balance. Upon further investigation the original creditor found a mistake on their end and apologized for the mistake and inconvenience they caused me for that past four years. XXXX emailed IQ Data and myself the correct balance owed, which is {$18.00}. I have attached the updated and correct ledger showing the correct balance due of {$18.00}. IQ Data please mail a Letter showing the previous balance as incorrect and stating the correct updated balanced due. In addition, please add to the letter that the account is Paid and Closed and please delete this Mistaken account from my credit report as XXXX made the mistake and is at fault. But I 'm glad the issue has been resolved. Thanks ...
1. I received several phone calls from this number ( XXXX ) a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to ) 2. On XX/XX/XXXX, I called the number back because all of the calls were either hang ups or silent calls. 
a. I was transferred to XXXX, who I was told is the case manager for this debt. This is the first time I knew it was for a debt collection.

b. XXXX told me the amount was for {$100.00} and he named the debtor, which was a company that I worked for from XXXX XXXX. I was never an owner in the company, and I informed XXXX of this during the call. 
c. XXXX asked me to pay the debt, to which I reminded him that I am not, and never was, an owner in the company. And, the company is no longer in business. 
d. XXXX also told me that the debt was for some type of insurance for the company. 
e. During the call, I asked XXXX to take my number off the account. At first, he refused and was rude and blew me off. He cut the call short by hanging up while I was asking to confirm that my number was removed. 
f. Therefore, I had to call back again on XX/XX/XXXX to ensure he was removing my number. He then stated that he would remove my number. Again, after treating me rudely and condescendingly. He even admitted to hearing me ask a question as he hung up on me. 
3. On XX/XX/XXXX, I received another silent call from the same phone number. 
a. I called XXXX immediately after and informed him. I asked why my number was still being called. 
b. XXXX said he would remove my number. 
4. This is when I decided to file a complaint because this just doesnt feel right to me for several reasons : 1. The calls never identified themselves. They either hung up or were silent.

2. The silent call received on XX/XX/XXXX, after XXXX was rude and condescending on the phone on XX/XX/XXXX, felt like harassment, or at minimum an attempt to annoy me. 
3. XXXX revealed the companys debt, the amount, and what the debt was for to me ; who was never and is not now an owner in the company. 
4. This debt collector contacted me via my personal cell phone a total of five ( 5 ) times : a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to )
XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.
BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.
Opened a credit line with XXXX XXXX XXXX and their XXXX card when I got XXXX XXXXXXXX in XX/XX/2015. I was pushed to sign up for paperless statements from their customer service team when I first called to get the details of my account ( when bill is due, min due, etc ). I signed up for the paperless statements, and call every so often to get status updates on my account. Nobody ever mentioned that the promotional time was coming up to have the bill paid off otherwise I would be hit with all the back due interest. I think it is crazy that they push people to sign up for paperless statements, but never actually give people the statements, they simply send an email that the statement is ready and you need to go jump through hoops of logging in and finding your statement on their website. They are pushing people to sign up to never actually receive a statement. They don't inform customers of important dates coming up. 

XXXX knowingly and fraudulently creates a system to make it more difficult to manage important dates and terms of your account, solely to maximize profit on the backs of unsuspecting consumers.
I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.
My husband and I applied for a mortgage modification after my husband became very sick and was subsequently fired. After applying for the modification, CitiMortgage continued to send the same documents multiple times that contradicted the other and asked for the same documents multiple times. Eventually, we became concerned that our lender did not know what was going on with our modification and we began to contact our Homeowner Support Specialist as to why we continued to receive these letters and no one could answer our questions. We were passed from supervisor to supervisor with no answers until we finally received a new Homeowner Support Specialist who could still not answer our questions as to why we continued to receive the same letters over and over again, but ensured us that everything was received and we could disregard the letters that we received and to continue to make our monthly trial payments until the modification was finalized. 
On XXXX XXXX, 2015 we received an email from CitiMortgage that said, " We have received the signed documents you sent and your mortgage loan modification with CitiMortgage is now finalized. Thank you, and congratulations! We sincerely hope this mortgage payment assistance is beneficial. '' Now, almost three ( 3 ) months later, CitiMortgage informed us that our modification was denied and we now have to pay more than what our mortgage was before we began the modification process. We contacted CitiMortgage and told them we received in writing that our modification was " finalized '' and did n't know there were any issued and was told that " just because we received something that says 'finalized ' does n't mean that it is really finalized. '' When asked if CitiMortgage could locate the email sent to me advising that our modification was finalized, we were told their documents were down and it could not be pulled up at that time. 
We are at a loss of what to do given that we are continuously passed around from department to department and from supervisor to supervisor with no answers except for we did n't return all necessary documents to complete the modification. However, when we ask what documents were missing, CitiMortgage can not identify which documents were missing. 
Any advice would be much appreciated.
On XX/XX/XXXX we were informed by letter that XXXX XXXX  XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.

Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX. 

On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.
I submitted notarized letters on XX/XX/2016 and on XX/XX/2016 in regards to US bankruptcy XXXX. As of XX/XX/2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Dear CFPB Representative, In XX/XX/XXXX Chase raised my APR from 11.99 % to 12.24 %, then in XX/XX/XXXX raised the APR to 12.99 %, then XX/XX/XXXX to 13.24 %, then in XX/XX/XXXX to 16.24 %. I thought that low interest rates were a reward for good customers. In all of these years I have never been late and have repeatedly paid the balance off. I sent an email yesterday, XX/XX/XXXX, to Chase asking that the interest rate be lowered and they responded that they would lower my interest rate but that they will have to close the account. What?! 

I ask that the interest rate be lowered but the account will be closed affecting my credit and discontinuing my credit line? Is this normal practice and legal? 

The other Chase card went from 10.74 % to 10.99 % in XX/XX/XXXX, then 11.24 % in XX/XX/XXXX, then 14.49 % in XX/XX/XXXX, then 14.74 % in XX/XX/XXXX, then 14.99 % in XX/XX/XXXX, then 15.24 % in XX/XX/XXXX, then 15.49 in XX/XX/XXXX, to 15.74 % in XX/XX/XXXX! This is not so much of a problem because I do not carry a balance on this card ( though I did try a balance transfer promotion in XX/XX/XXXX but after they tried to charge me interest - which were all refunded - I transferred out the monies to a better card ). So, I pay off the card every month and yet get these APR increases? 

Both of these cards were grandfathered from my previous bank. When Chase purchased the bank @ XXXX I very quickly transferred my checking and saving accounts to another bank ; however, retained my credit cards since it would adversely affect my credit to close the accounts. In other words it is not by choice that I have two Chase credit cards. However, my low APR remained initially. I was and am a responsible card holder. No lateness in over a decade and have repeatedly paid the balance in full. 

In XX/XX/XXXX Chase raised my APRs because my " APRs are below the lowest APRs we currently offer on similar accounts. '' Out of their 'fairness ', my APR was raised. 

Is this fair practice to raise the APR willy-nilly just because and to do it so often? Do I have any recourse other than closing these credit card accounts? We are always under the threat of raised APRs due to some form of delinquency but Chase seems to be raising my APR to CAUSE delinquency on my part. 

Please help! I do not want to close my accounts and I would like my APRs lowered. 

Their response is attached.
Incorrect address listed with personal information on my report. The incorrect address is  XXXX   XXXX   XXXX
I filled a claim related to my lost luggage during travel in XX/XX/2017. The claim was filed with the XXXX a Chase claims provider. This insurance was provided on my Chase XXXX XXXX card that I had at the time. 

I filed the case for my lost phone, as it was stolen out of my check-in bag during travel.After sending them numerous calls and emails I haven't been able to get them to understand that it is practically impossible for me to report this loss to the airline immediately after I come out of plane. Also as this was international travel and the phone was in check-in luggage, I did not get the bag for around 1.5 hours after coming out of plane, and I did not open the bag until I reached home. 

My claims keeps on getting rejected on the basis that I did not inform the airline in time, whereas I have provided proofs to them with my flight tickets and also my communication with the airline. 

Claim number with eclaimsline : XXXX Last four digits of my credit card : XXXX
this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX
I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.
My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.
This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent two harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.
Over the past realationship with US BANK they have prevented me from making a deposit to pay for items that have not posted in anyway visible to me the day of only after the item ca n't be paid for via me can I see it they post during XXXX an XXXX and that 's not even banking hrs. 5 minutes after I get the notice in my online mobil banking ledger that would Be 5 min too late. I eat a {$36.00} FEE that was charged the next day??? YES! They are not consumer friendly they want there fees and refuse to hear out the unreasonable bank tactics.