WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Chase Card Services regarding interest rate changes to my credit card account ending XXXX. The purpose of the call was to determine if the initial interest rate was a Fixed Interest Rate or Variable Interest Rate, request a copy of the XX/XX/XXXX Credit card agreement, request a breakdown of the APR interest rate changes and request copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). The Credit Card Agreement indicates the initial interest rate was 19.99 % Variable Rate. Chase advised there was an interest rate change of 17.99 % to 18.49 % in XX/XX/XXXX and a rate change of 19.24 % in XX/XX/XXXX. However, the Chase representative could not provide the dates of the interest changes from XX/XX/XXXX to XX/XX/XXXX indicating the information was not available. Please be advised Chase did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX. Although the CARD Act Notices were never received, Chase insists the notices were sent accordingly. A letter was received from Chase dated XX/XX/XXXX stating the Change in Terms notice was sent in XX/XX/XXXX ( no specific date specified ) advising of a rate change from 17.99 % to 19.24 % and that a response was required by XX/XX/XXXX. A copy of this Change in Terms notification was not provided by Chase for review. In addition, this statement is inaccurate in that the interest rate change of 17.99 % to 18.49 % occurred in XX/XX/XXXX. The rate changes from 18.49 % to 19.24 % occurred AFTER XX/XX/XXXX. Unfortunately, this detailed information was not provided by the card issuer ( Chase ) as requested. I contacted Chase Card Services again on XX/XX/XXXX and requested copies of the Change of Interest Rate Disclosures ( Change in Terms ). Again, the disclosures and initial information requested was not received from Chase. However, a letter was received dated XX/XX/XXXX stating the same information as the previous letter dated XX/XX/XXXX. As of this date, I have not received request a copy of the XX/XX/XXXX Credit card agreement, a breakdown of the APR interest rate changes and the requested copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). In addition, I did not receive a Change in Terms Disclosure for the XX/XX/XXXX interest rate change. This information was identified on the billing statement. Chase in violation of the CARD Act of XX/XX/XXXX.
I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is  reporting a medical debt to the credit bureaus twice, under two different account numbers. 

The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. 

I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. 

On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.
I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?
I requested a mediator from American Express XXXX months ago regarding them removing XXXX points from my account, unlawfully and against their own terms and conditions. 
I have not been granted a mediator, and I am considering taking personal legal action. 

I expect a mediator to review my account and the paper claim I submitted to you guys 2 months ago. I expect this to happen in an appropriate timeframe and I expect a call back from someone on this letting me know that the mediator is working on it and a realistic timeframe. Keep in mind I have already been waiting 2 months. this is unacceptable. I used to love my relationship with amex but this has been horrible. You guys are treating me just awful and not even granting me a mediator even though I followed the steps. Please do the right thing.
XX/XX/2018 {$1500.00} XXXX XXXX report under my name and report that is no true or belong to me ..I don't have account with XXXX XXXX ...
I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
The bank is Synchrony Bank, the store credit card with XXXX store. I have been unable to enroll in auto payments because I can not create an online account. I have the account number and tried to register but it would not accept my account number and registration materials. I have tried calling but to fix this but I kept getting " we are unable to complete your call at this time. '' As a temporary fix I was calling the number at the bottom of my statement to pay. However, I forgot once and not the monthly payment has gone up from 25 a month to like 150 with no written reason why that I have received. I have tried calling at the number, and again I get no response.All of this could have been avoided if they would have just let me enroll in auto pay - and register for an account online. I opened the account in XXXX I believe - but again, I have no records because I can not register the account online - and they will not answer the phone to try to fix this.
I almost always pay bills when I get them, not when they are due. Flagstar sends the next month mortgage bill after I paid the previous month 's payment so I end up paying months in advance. Over the years, i noticed that being two months in advance becomes only one month in advance, the lost of a month 's payment. When I file a complaint, Flagstar Bank would send a payment record full of error charges and refunds so I could not determine the failure to credit one of my payments. I do not have insurance or escrow with my loan, I only make {$880.00} monthly payments, nothing else. However, the payment history from Flagstar would be filled with false insurance charges, escrow deductions, principle payments and refund, and so forth making the payment records unreadable. If honest, Flagstar should have my payment history with only the payments I made ( all were on time ). 
Being cheated many times of my monthly payments, I started to get better records and copies of my payments. Attached are four documents. The first is a bill from Flagstar dated created on XX/XX/XXXX ( top right of page 1 ). Note that the total amount paid for that year was {$7900.00}. It a bill for a payment due XX/XX/XXXX which I made XX/XX/XXXX to keep from getting too far in advance. Page 2 is a copy of my XX/XX/XXXX payment check # XXXX for the monthly amount of {$880.00}. Page 3 is a copy of my bank statement showing that Flagstar cashed my XX/XX/XXXX payment check on XX/XX/XXXX. 
Yesterday I received in the mail from Flagstar another XX/XX/XXXXXXXX bill created date of XX/XX/XXXX for XXXX ( 2 months plus late charge ). On that statement was the same total payments of the year of {$7900.00}. Flagstar had received my XX/XX/XXXX payment on XX/XX/XXXX and had not credited to my loan. This has been done several times over the years but I did not have the copies of my payments to prove it. 
Please have Flagstar credit my last payment and give a full accounting of my loan history with only my loan payments, without all the errors they made on fake insurance, escrow and other items that did not relate to my loan. I kept all my payment check statements so if I know on what dates they cheated me ( just like their current attempt ). I could also prove their criminal actions.
Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.
Experian verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
I 've paid Nationstar mortgage {$5000.00} for their Lender Placed Insurance through escrowThe XXXX policies cost {$2300.00}. I want them to reimburse me the {$1700.00} surplus in my escrow account but they refuse saying they do n't show that I had insurance. They sent me the policies and have proof that they placed the insurance. They are simply stealing the money they owe me and they know it.
Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.
I C systems collection agency XXXX XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.
Transworld Systems Inc on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Transworld Systems Inc still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Portfolio Recovery Associates, LLC took TRIPLE the amount authorized by us ( via a recorded phone call they verified through their review process ) out of our bank account on XX/XX/2019. Through our multiple attempts to get this reversed/resolved, weve been lied to, rudely addressed, given the run around, and are yet to see any money back. How are they allowed to steal from individuals who have followed their company policies? How are they allowed to accidentally withdrawal over {$2000.00} beyond the authorized amount? Who protects the rights of individuals? We were told on XX/XX/XXXX that the refund was processed, addressed, verified, and our money would be refunded by XX/XX/XXXX. Today, XX/XX/XXXX, we were told by an Executive Director that it was our bank that wasnt accepting the refund ... our bank shows no communication from XXXX. Another phone call resulted in a representative stating a refund was processed 15 minutes ago, and your refund will be in you account within 24 hours. We need someone who can help refund the more than {$2000.00} that was stolen from our bank account.
I am a XXXX year old responsible XXXX  XXXX XXXX veteran with full medical coverage through the Dept of Veterans affairs.I do not have personal responsibility for this hospital bill.I have made no payments on this account and XXXX has never contacted me. On XX/XX/2017 I fell through a XXXX   and XXXX XXXX. I was XXXX  and treatment at a Veterans health care facility was unavailable in this emergency.The hospital was informed PRIOR TO TREATMENT that the payee would have to be the OR. Dept of Health ( my client ID XXXX ) or the XXXX Veterans Choice Program. After numerous contacts with the hospital, Veterans Admin., the Oregon DHS ( department of human services and the office of US SENATOR XXXX XXXX I was told that the hospital would pursue payment from the  appropriate party and NOT ME! The hospital was negligent ( LAZY ) in their proper pursuit of payment. At some point without notice the hospital turned this in to collection.At no time did they try to resolve this matter in a professional or compassionate manner with me. Now my credit score has been severely diminished ( 30 points ) It is reprehensible that a Religious organization hospital would conduct itself in this manner without competence and compassion.
BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON
Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. 

I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. 

I do n't want them to damage my credit record.
Opened an American Express account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. Am Ex is still reporting our account delinquent and the judgment has not been resolved.
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit
I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts.
UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..
Response disputed Experian said : Explanation of closure Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
Please see the attached document that includes our response to your complaint. 
Thank you. 
Relief The disputed accounts do not appear on your current Experian credit report The top portion is a copy and pasted portion of the response in regards to the XXXX XXXX account. This was sent to the CFPB. Please update my credit report to correctly reflect this. I have been attempting to correct theses errors since XX/XX/XXXX and why Experian does not feel as though they need to correct the errors is beyond me. Please correct the credit report and delete the XXXX account. I have personally provided you with documentation from Ally stating this account does not belong to me. I have also provided you with a certified letter I sent to Ally requested documentation. They have no documentation that belongs to me. Therefore, they could not provide anything. XXXX XXXX has admitted to the fact that they did not call and confirm XX/XX/XXXX as I did have a fraud alert and freeze on my credit report since XX/XX/XXXX. I do have a credit report that reflects the same. Why Experian changed the date to XX/XX/XXXX is beyond me. This is negligence on the part of the creditor and the credit bureau according to the FCRA. If you would, please correct my Experian credit report. I never asked for a re investigation. The account has been deleted, it can not reappear, I received a credit report from Experian where it clearly stated XXXX XXXX had been deleted. This account can not be put back on my credit report once it has been deleted. That is what the FCRA states anyway. Based on the statues, and the fact that this account does not belong to me, and based on the fact that I have done everything in my power to obtain documentation and XXXX XXXX has nothing this account must be deleted
Recently filed a dispute with regards to collections account, namely STATE OF MI OFFICE CHI Account Number : XXXX .... Report on experian reflects that payments are not made towards this account. The active status of this account is marked FP - failed to pay. I have filed a dispute requesting that Experian report the correct status of the account or remove it from my credit profile. State of Michigan is a government agency reporting debt of child support. This agency should be bound by The Fair Credit Reporting Act and report collection accounts accurately just like any other creditor. In my case, the account is closed and the Circuit Court has ordered payments to be made on the balance. Monthly payments have been made for the past 3 years as ordered, these payments are NOT reflected in Experians reporting. Instead each month the account reflects a declining balance from each payment and is recorded as Negative. There is no payment history recorded. See attached documents that further support my dispute.
I wanted to report to the bank of  america  because without any reason and without prior notice they cancel the credit card, I complained and never received an answer and they were left with {$1100.00} rewards money won over 10 years.   I sent a letter with my lawyer, and they never gave a solution, what I can tell you is that I use my card in my company and that is why they got upset, but they want to win all the money, however they charge between 3 % And 5 % for  cash advance,  then what difference does it make that I lend my company money and that they tell you how you can use your credit card.   However they overdrawn my accounts a {$880000.00} and the other account at {$880000.00} and remained negative  XXXX  hours, when I claim never gave any answer because I overdrawn the accounts in more than a  XXXX  and a half dollars. Then canceled accounts, This is a clear outrage, and discrimination on the part of the b  ank of america when closing the accounts.
I denounce this outrage because I can not pay a lawyer, to initiate the demands that are necessary, I hope you punish these financiers who only think of them and not the customers.
I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.
I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.