WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm tried so hard to bult my credit score by having small credit card paid on time, had a bancruptcy 7 years ago and have car that I 'm paying on time never late on my bills, unfortunately I ca n't get a major credit cards because I guess I 'm XXXX or my location I lived in XXXX XXXX area people like me will get denied constantly. This situation need attention cause I have XXXX friend who bad credit than are able to get credit or a loan ..I do not understand someone need to explain to me why I 'm getting turned down by the credit bureau??
Equifax is not able to find my credit file and there is no problem pulling it from XXXX and Equifax. I have credit history of 8 years with mortgages, car loan, and 8 credit card. 
I have spent total of 150 min with them on phone with resolution except them saying you do not exist!. I am in process of buying a home and can't close until Equifax can provide me my credit report. 
Also, I use XXXX XXXX for personal use and they pull data for Equifax and its visible to me.
I had to leave the University I was attending due to an illness. The University then sold my account to this debt company for collection. They started collecting the debt in 2007, {$100.00} per month, and the total debt was only {$11000.00}. It has been 11 years, and this debt should be paid in full, yet they say that I owe more than 13,000. I have never signed any promissory notes or guarantees to pay any additional amount. They have never provided any schedule of fees or interest amounts regarding the account. This violates truth in lending, fair debt collection practices, and more. 

They need to report to the University that the debt has been satisfied, as I have paid more now than the original amount. 

They need to stop stealing money from my checking account that is not theirs, as I have fully paid the amount owed to the school. 

I will contact an attorney regarding their unfair and abusive practices. 

In regards to XXXX. Your policy does not allow for medical withdrawals after the fact. It has now been 12 years since I attended the school. I would like to be able to finish my degree, but I am unable to do so due to this school not releasing my records. I have paid more than due to this collection company. Also, I have paid for all the credits that I obtained from your University. There is no reason I can not even get access to see what credits are on there. You have sold the debt to Williams and Fudge. Therefore, you no longer have collection rights. You need to release my transcripts and remove the hold on my file. I have paid you {$40000.00} for the credits that I completed and I have a right to the credits I have paid for and earned.
On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.
On XX/XX/XXXX, Capital One marked my credit card account as over 30 days delinquent -- due to a failure to pay the balance of {$230.00}. I was undergoing hardship and was simply unaware that I had incurred a balance at the time. Upon receiving notification of the delinquent status, I hastily paid the balance of {$230.00} on XX/XX/XXXX. Based on my long-standing history as a customer with Capital One ( XX/XX/XXXX ), I have in no other point of time been marked as late or delinquent -- in any line of credit. In addition, I have never maxed out or even come close to my credit limit ( {$500.00} ) as a customer with Capital One. I spoke with a supervisor within the company and they insisted that there was nothing that could be done to permit a goodwill removal of that late payment. After making 43 of 44 payments to Capital One on time, I believe as a loyal customer, I should be done a reasonable service and have this incidental delinquency forgiven from my credit report. It has been burdensome to my credit report and effectively -- my life, as I move through new phases. I hope you view my complaint justified ; attempting to negotiate with Capital One has been completely unreasonable. Thank you!
The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.
I was advised to ask for forbearance after not being able to afford the amount they were asking me to repay. I went to a school that I was not able to obtain a job after completing the program due to not having enough work experience through my schooling. I was never able to obtain a job in the field that I paid around XXXX for and was never able to afford the amount they were requesting me to pay monthly from the beginning which ranged from XXXX-XXXX per month. Even while employed I was told to ask for forbearance and I did the maximum amount of times till recently when I have been unemployed. Needless to say all of this has affected my credit tremendously.
XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.
I le ased Honda ca r with American Honda Finance Corp ( account #  XXXX   ).    Upon signing a leasing agreement, I set up an online account wit h Honda Finance , with autopay option when all monthly payments automatically withdraw from the dedicated business checking account opened with  XXXX . In about six-seven month later,  XXXX  blocked the account for security reason due to suspicious activity. I got a call from the bank and during the conversation addressed all their concerns. And I was under impression after that  XXXX  will unblock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such that customer must call the bank and request to unblock his account, even though I did not request to block it at the first place.   And I was under impression after that  XXXX  will unlock my account and all scheduled payments will be automatically resumed too. But, in reality,  XXXX  policy is such, that customer must call the bank and request to unlock the account, even though I did not request to lock it at the first place and nobody suggested that during my telephone conversation.   When a truck driver come to our house to take the car out, I immediately called  Honda Finance  and offered a full payment for the rest of the lease term, which we had right to do according to the agreement. But instead of taking payment right away over the phone, the  Honda Finance  representative suggested that car has to be taken now, but tomorrow we should call and make payment via  XXXX   XXXX , motivated that account already closed and nothing can be done. Next day, when I called to the customer service, I was told that it is too late to do anything and that it happened because of a red flag was put on my account as my husband, who handles all finances, had a controversy with some of customer service representative. According to them, he was impolite and demanding with customer service personnel. It seems like a personal vengeance to me.    American Honda Finance Corp.  violated my leasing agreement and intentionally and misleadingly re-possessed the car just several months prior to the end of lease date.    American Honda Finance Corp.  intentionally damaged my credit history and my reputation as a responsible consumer.   Even more,  American Honda Finance Corp.,  is attempting to collect the amount of {$5800.00} which is almost three times higher than my payoff amount was.   Just recently I received a letter from a collector,  XXXX   XXXX   XXXX   XXXX   ( r ef. accunt #  XXXX   )   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  Phone :  XXXX  and from  XXXX   XXXX   XXXX   XXXX   ( ref acc  #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  Phone :  XXXX  demanding payment of {$5800.00} Please help to obtain a full accounting info and all communication recordings with customer service representatives from  XXXX  software and to restore my reputation as a responsible consumer.
I 'm comfortable filling out on-line forms and information. While using the free credit report website to access my annual free reports TransUnion quickly informed me that I had to request my reports by mail, XXXX of them saying it was " for my own protection '' .. I had no problems with navigating back and forth on the XXXX nor the XXXX website but the other TransUnion site was much more confusing. 
XXXX also asked if I wanted to sign up for a 30-day account for free to be able to view and access my account. However, they do not clearly state if they will begin billing after the 30-day free trial or if the account just disappears.
XXXX XXXX XXXX XXXX XXXX/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Someone fraudulently attempted to use my credit information. An inquiry showing up as XXXX showed up on my TransUnion today. I initiated a security freeze then attempted to call TransUnion to fix the problem. Firstly, the call center is in XXXX and I could barely understand the person I was talking to. Second, they wanted ME to contact the creditor, get a letter of validation, then mail it all to TransUnion for them to review. This process takes much longer than it needs to and is difficult to understand. I am being punished as a consumer by being forced to spend my valuable time to fix a problem that was created by a criminal. I am upset, confused, and I just want my information protected.
I applied for a Kohls credit card. The first time I did I didnt get it. So I called them they said that they would send another one. Didnt receive it either. But it shows on my credit. It hasnt been used as far as I know. I want this canceled and off my credit.
Chase Bank NA, after having subjected me through a long & detailed application & qualifying processes, has finally & officially approved the Chase Ink Business Cash Credit card & physically sent to me, as attached. 
However, when I use the card, I was informed that the chase bank staff had unilaterally locked the credit card & close my account without my knowledge & conscient. In fact, the Chase bank staff has committed a gross mistake & error of locking & closing of my credit card n its account, after it has been officially approved by Chase Bank n sent to me. In no uncertain terms, I did not inform Chase to close my Credit Card whatsoever!!!
Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf.
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and XXXX  has removed the erroneous XXXX XXXX / XXXX XXXX information while Equifax continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXXindicates that the information that was used was provided by Equifax. The some of information that was offered by Equifax is attached to the bottom of the Notice. I have never offered an  explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thruXX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by Equifax when XXXX XXXX recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXXXXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XXXX, 2015. My was XXXX XXXX, according to Texas law. I am being threatened by XXXX, a company in California, for a Citibank card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to Citibank, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from XXXX, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MEDICAL ACC # XXXX XXXX BANK XXXX ACC # XXXX XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - REPORTED XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I BEEN LIVING THERE SINCE XXXX/XXXX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX XXXX. XXXX XXXX XXXX b XXXX XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Can the bank charge you the new interest rate on an old charge that was subject to the old rate?