WillisBack/dataset-financial-user-claim huggingface dataset:
I opne an credit card account with caital one services, XXXX XXXX XXXX XXXX XXXX, ut XXXX, on XX/XX/2018 an arc payment ( note ) was sent to my bank giving them the ok to send or do an pay to capital one to recive {$25.00} for my min payment.I call capital one to check up on my card acount on XX/XX/2018 at XXXX.they told the account was close, i ask why, the said on XX/XX/2018 when they sent the payment to my bank that the bank deny it becoause it was money in the account, so, i call XXXX which is my bank XXXX XXXX XXXX XXXX XXXX ca XXXX , we did an 3 way call in which an rep from capital one, an me, XXXX an rep from XXXX XXXX was on the phone together, my bank rep from XXXX told capital one the phone talk was recorded by me, the bank an capital one, they told them the reason why the payment to go out wasnot because, capital one would not did collcet the note, we ask them why, he stated he was going to look into it.that was strange, affther the bank rep hang up.he told me to hold on when he came back to the phone he said that the could not correct the matter cause the bank said it was not money in the account, keep in mind we just got off an 3 way the bank rep said that the reason was cause capital did not colcect, the note and the money was in the account to cover it.i told him that.ask if i could have the papers ect.. so i can fail an complaint, the co has an investigaton team that do just that look over acount check and corect mistake ect..the custumer has to tell them that want it they has investigate and let the person know what hapend, if person need statement letter doc ect ... that are show it give to.thats the consumer rigths fed law also cover that to
The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on XXXX. I have contacted all XXXX credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
A guy named XXXX XXXX called me from XXXX ext XXXX asking where to serve garnishment paperwork for one of my employees. I gave him the address and phone number to our corporate office where that is handled. A couple hours later he called back 6 times in a matter of 10 minutes using 2 different phone numbers.
I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a {$1.00} Experian Credit Report on XXXX XXXX, 2016 and was pleased with the result. After receiving XXXX separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately {$22.00} per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. 
Customer support informed me that the {$1.00} report I signed up for included an automatic enrollment in the monthly service ( again, at XXXX the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the XXXX subsequent emails. I am fortunate to be in a position to write off a {$22.00} fee as a learning experience, but feel intentionally misled by the {$1.00} upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as XXXX and XXXX.
I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.
I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.
I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.
Original loan was with XXXX XXXX. A few months into payments I was sent an offer by XXXX XXXX to skip a payment and add it to the end of the loan. I signed the documentation sent via mail and sent it back. All was well until Key Bank assumed loan. During that transition, Key Bank informed me that my loan was 30 days behind. I explained to them that under the offer and terms I agreed to with XXXX  XXXX, I was on time and I accepted the skip a payment offer. Key Bank could not verify this as they could not access their system. I called numerous times over a 3 month period and spoke with several folks at Key Bank. They could not figure it out and they took weeks to investigate all the while they were reporting me as being 30 days late for months. I explained to them that as an example there have been 18 payments due since loan origination and I have made 18 payments. They could not figure it out and they continued to tell me they had no access to XXXX XXXX computer systems to verify. How can this be if they assumed the loan? Key Bank tried to fix the issue by applying the skip a payment to the end of my loan however they continued to negatively report to the three bureaus and never reversed the 30 day late payments. I also made additional payments but problem has not gone away.
XX/XX/2019- {$1300.00}. Affiliated Acceptance Co added a new account to my credit report.

XX/XX/2019- $ XXXX- Affiliated acceptance Co added a delinquent charge to my credit report I have spoken to the both companies involved. The company who the original charges were for and the credit collection company. I do not owe this money. They offered me an unfair settlement. I told them I wouldn't accept a settlement when I don't owe the money to begin with. This dropped my credit score over 100 points and is extremely unfair.
In results of address and number change I was unaware of Medical debt with XXXX XXXX. I was garnished and paid the debt off.
Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.
Mortgage company unfairly and with intent withholding our escrow overage due to us since XXXX 2016 escrow analysis.
Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified
Recently I had my credit checked out to see if I was eligible for a car loan to my surprise I came to find out i have XXXX outstanding medical bills this being one, they do not belong to me since I was never notified the existence of such bills. As you know these bills affect my credit score and my chance of moving forward.
I bought a house back in 2005 to be my home and fixed according to my family needs ; unfortunable, had to get a XXXX mortgage in order to be aproved by XXXX at tha particular time ; after years of stress and tears with the help of a lawyer and under the HAMP, was able to keep my home and reach an affordable mortgage according to my income ; now my lawyer and the program toll me that the XXXX mortgage will disapear after the modification and that I did not have to worry about anything but paying in time, which I 'm doing, this Comp Green Tree Servicing LLC, after five years is harrasing me and my family ; calling my cellphone and sending me letters in an anoying way for something that is out of my hands ; our lawyer statement is radical ; they new the risk in case off a financial crash and they lose, as simple as that, now they asking me for a credit card to withdraw the money monthly, that does n't to legal, does it?. Thank you for the attention
I had XXXX high balances on XXXX Bank of America credit cards. I paid the balance in full on both credit cards. The following month I received a bill for each with additional interest. Obama 's credit card act of 2010 prohibits double-cycle billing.
I have had a savings account with TD Bank since 2011. Last week, based on a conversation with a bank teller at the following TD Bank , N.A . location ( XXXX, XXXX, PA XXXX ), I was told that the type of savings account I currently had ( interest rate of .15 % ) was no longer offered. I was also told that I should have been switched to a high yield interest savings account ( interest rate of .50 % ), however, no attempt by TD was made to communicate/switch the following : ( a ) communicate that my current savings account was no longer offered ( b ) communicate that I qualified for other savings accounts actively being offered ( all of which had higher interest rates ) ( c ) switch me into a savings account automatically that I qualified for. 
Additionally, as none of the current savings account offerings at TD had any major fees/restrictions, THERE IS ABSOLUTELY NO REASON ANY CUSTOMER WOULD HAVE ANY ISSUE BEING SWITCHED INTO A HIGHER INTEREST RATE SAVINGS ACCOUNT. This suggests that TD Bank may be solely interested in their own financial gain at the expense of the customer who is kept in the dark. 

What makes matters worse is that I have qualified for high yield savings accounts since I opened an account in 2011 ( as no minimum balance is required ) ; certain years I was receiving the appropriate interest and other years I was not. I raised this concern with the XXXX/Store Manager who told me they would not compensate me for interest that I would have accrued during the years that my interest was sub .20 %. The irony is that I am only asking for the minimal interest I feel I am owed on the LARGE balance I maintain in my savings account and not the profit TD made reinvesting my money over the past 6 years which, I can assure you, is a much larger amount than the interest I would have received in the first place. 

In closing, although my primary concern is my own financial situation, this may be part of a much larger and potentially more serious issue whereby TD Bank is not being open and transparent about the status of their customers accounts ( e.g. when accounts are created/changed/no longer offered ) and the financial impact it may have on their customers. As we saw with XXXX ( where accounts were being created/cash was being moved to boost sales numbers without customer authorization/intervention ), my suggestion would be that you open a full investigation as to how TD manages their customers bank accounts and, perhaps more importantly, the extent to which they attempt to communicate the best banking services/solutions for their customers.
As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person. 
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}. 
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you. 
Can you please help me?
I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.
There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. 

A Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as Icon Equities , LLC and a debt collector named XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, claims that they are collecting a debt on behalf of a debt buyer named Icon Equities , LLC. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the XXXX of dollars. I demand that my files must be purged by XXXX, Icon Equities , LLC and XXXX XXXX XXXX XXXX XXXX permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.
After several low quotes for car financing, I decided to research my credit ( freeannualcreditreport.com or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( Transunion and XXXX ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with Transunion & XXXX. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.
i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.
My father passed away XXXX/XXXX/2015 and the mortgage company OCWEN Loan Servicing continues to add fees to his account, {$30.00} to tell me how much top pay off the mortgage, {$19.00} to pay over the phone. They tell me they are a business so they can charge fees ... ..Charging fees on an account of a deceased person is unethical.
I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about them.
Previous information was deleted because these companies were not able to verify the account was mine " XXXX XXXX XXXX '' and " XXXX '' they have since then shown back up without notice. Why would you allow them to report again if they did not have valid proof or could n't validate debt.
Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX
On XX/XX/XXXX and XX/XX/2017 from TD Bank N.A. repoted 2 inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report