WillisBack/dataset-financial-user-claim huggingface dataset:
I am beyond disappointed with the service I received while attempting to use my Macy ; 's credit card to play an order on Macys.com. I tried placing the order, but the website kept saying that my card was declined. I knew this must be a mistake as I have not missed any payments and have a {$0.00} balance. I called the customer service number that displayed, and was informed my card had been deactivated for not having been used in awhile. I was surprised to find that this occurred without any notice to me! She stated she could have it reactivated, and I asked her to do so. However, she came back on the line and informed me that due to a system upgrade, I could not use my credit card until this coming Tuesday. I was taken aback that such a mature company as Macys would take several days for a system upgrade! In this day and age, there should be no reason that a customer 's credit account would have to be deactivated for such a long period due to a technology update. ESPECIALLY without notice to the customer. 
However, I understand that such things are beyond my or the agent 's control, so I simply asked her to guarantee that when I place the order on Tuesday I will be granted the same sale price and 15 % off offer that I would receive today if the order were placed. She could not promise me this and said I would lose the pricing. With the current sale and promotion, I would be saving over {$600.00}! It is unacceptable that I would lose this price due to a system update and no fault of my own. 
I then asked to speak to a supervisor. I was placed on hold for 10 minutes, and ultimately the call was answered by another agent who was not a supervisor. She had to transfer me to XXXX, a supervisor with ID number XXXX, who could not help me. She kept talking over me and acting as if I were unreasonable in my simple request to have her guarantee the pricing. When she said she could not promise this, I asked to speak to someone above her. She said there is no one above her that I can talk to. She also said she can not make any notes in my file because my order is not yet placed. Again, this is absurd considering I have been a Macy 's customer and credit account holder for many years. I can not believe that not only did XXXX not have a supervisor I could speak to, but that in this day and age, Macys does not have the technology for her to notate my account. 
I would like to mention that the reason my account was XXXX was because I rarely ever shop at Macy 's anymore. The reason is that I have been displeased with the service and find XXXX to be a much better company. However, I was intrigued by the sale on the bedding items, and decided to give it another chance. It seems that this may have been a mistake.
Financial institution Bank Of America has a practice of charging a " minimum finance charge '' on my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed, which WILL NOT BE TOLERATED.
I have tried several times to dispute the information on my credit report from this company. Through both the credit bureaus and directly from the company. I asked for a debt validation letter which they did not provide. They never sent me any initial letter showing that they are trying to collect on this debt. It just appeared on my credit report. Also it is my understanding that this company is not licensed in my state to collect debt in my state. This company has also had to pay millions of dollars in fines for illegal debt collecting practices and illegal credit reporting practices by violation the FCRA. 

two accounts {$790.00} {$1000.00}
Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.
ARS ACCOUNT RESOLUTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTIONor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.
I submitted an application for a short sale in XXXX XX/XX/XXXX To this date, 15 months later, I have gone through XXXX realtors and XXXX buyers waiting for Wells Fargo to simply submit the information for processing. I submitted all requested documents in XXXX of XX/XX/XXXX. Each month, I would get kicked out of the short sale process just to be put in again and start the process of faxing over again of tax returns, bank statements etc. Each buyer has backed out of the deal and my realtor has confirmed that the buyers have gone elsewhere to purchase. I have had XXXX or XXXX Wells Fargo negotiators, XXXX Home Preservation Specialist and at least XXXX processors. Processors do not return phone calls and nor do Home Preservation Specialist. It took me over three weeks to get a payoff because the XXXX " Team '' would not call me back. My concern is that they are simply trying to wait me out until I quit but I am going to see this out until the end simply because their process is not right.
I canceled my Citi Bank Credit Card ending in number XXXX a few weeks prior to XX/XX/XXXX and was reassured this card was deactivated and I received the replacement card 2 weeks prior to XXXX XXXX transaction in the amount of {$1400.00} being authorized for payment by the corporation. The Citi Bank Representative asked prior to the cancelation of the card number ending in XXXX if the charge of {$74.00} from XXXX was legitimate, and I agreed to the {$74.00} which was the only pending transaction at the time. Furthermore, I had already received my new card ending in XXXX two weeks prior to the transaction posting, and to my surprise the transaction of {$1400.00} was approved! I feel as though someone at the bank failed to cancel the card ending in XXXX. The only authorized transaction that I agreed to, that was legitimate was {$74.00}. My authorized user XXXX XXXX was aware of the card being canceled, and he reassured me he paid XXXX the bill in cash. He stated that the cash receipt was misplaced and was not expecting XXXX to put the transaction through. The only amount that I thought, and agreed to being transferred over to my new card number ending in XXXX was {$74.00}, and not XXXX. Furthermore, that total quite obviously exceeds my credit limit so I would never have authorize it. Lastly, this is the reason that I do not have a receipt at hand. 
P.S. this over the limit credit charge has affected my credit score, so please have the derogatory remark removed immediately. 
Thank you, XXXX XXXX
I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
Our mortgage is through XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, d/b/a/ XXXX XXXX as Trustee and our servicer is Fay Servicing. We had a loss of income hardship so I applied for a modification. On the application we had checked the box that said we wanted to keep the home. They gave us options were we would have to give up the house so we turned the offerings down. They started the foreclosure process because we could not make the payments. In the meantime, I had become XXXX and was waiting on the back pay to bring our mortgage current. I kept applying for modifications and we kept getting the offerings where we would have to move. I had checked into government plans and we did not qualify for any of them. I also applied for HEMAP and we could not do that because we could not afford to start paying immediately. Finally one modification they offered a lower interest rate and added the balance of the money we owed on the back of the loan but it was to be paid all at once. We could not afford that last end payment so we applied for another modification looking for something we could afford. It turns out that we did not understand that we would be able to refinance through another lender when that large payment came due. I contacted them to see if we could accept that offering since we did not understand it and they told us no. Since we rejected it, they could not offer it again because the rejection meant that we could not afford it. I applied over and over and kept getting offers where we would not be able to keep the home. My back pay from XXXX finally came in and we were able to bring the loan current. However, even with XXXX payments, it is still a hardship for us to make the loan payments. I applied again and they sent me a letter saying that we were not eligible for any alternative to foreclosure and do not quality for any available loss mitigation options. It just indicated that we would have to reinstate the account which had already been done. I am just asking for a lower interest rate now that we are paid up and they don't seem to want to help. Also, they are sending statements with " fee charges '' but no where does it say what it is for. It just throws a dollar amount in there. Our escrow amount keeps going up also even though our taxes have barely changed. I called the tax assessor to confirm and which she did.
After 2.5 months of complaints, Experian finally sent me my report today, XXXX. 
The report contains wrong information, which caused my credit applications to be denied. 
More specifically, Experian lists a credit inquiry, under results of action I took, shared with others, which doesnt belong to me : XXXX Id # : XXXX Date : XXXX XXXX, 2015 I never applied for any credit with this party, never heard of them before, do n't have any collections on my name, past or present, and I was actually living XXXX in 2015, and for 10 years before that. 
Due to Experian 's incompetence, I was denied credit as documented in my first complaint, and was unable to obtain auto insurance to get to work for 3 months.
I have a reverse mortgage through Champion mortgage. Champion mortgage paid property taxes on my behalf. In turn, I sent a payment to Champion mortgage in full plus extra to cover the property taxes paid on my behalf. Several months later, i was informed by Champion mortgage my payment was short by {$6.00} and that large late had accrued on my account. My discrepancy is that I paid up and above the payment amount requested on the bill I received and should not be accruing any late fees.
There is a debt in my credit but Ive tried to pay for it. But The collector says they dont Have anything open for me. Im bit sure what the collection is for, but its {$70.00} and I want it it off my credit
1. XX/XX/XXXX XXXX XXXX transferred the loan to XXXX XXXX XXXX. XXXX began to alter checks by scratching out " XXXX & the loan number '' then hand writing their name and a different loan number on the check. 2. XX/XX/XXXX XXXX XXXX received a loan modification prepared by XXXX. The principal balance was raised without explanation from {$250000.00} to {$260000.00}. 3. Between XX/XX/XXXX and XX/XX/XXXX all the loan payments sent to XXXX were never credited to the account. ( XXXX XXXX has all the canceled checks to show the payments were timely sent and cashed by XXXX ). 4. XX/XX/XXXX, XXXX received a " Tax Bill '' from XXXX County Treasurer, stating that XXXX had not paid real estate taxes from the XX/XX/XXXX escrow. 5. Mortgage Interest statement for XX/XX/XXXX from Internal Revenue Service reflects XXXX amounts paid. 6. IRS Form XXXX for XX/XX/XXXX shows that XXXX XXXX XXXX did not report any of the money they received from XXXX ' loan payments made between XX/XX/XXXX - XX/XX/XXXX. 7. XXXX attempted to resolve the issues with the missing money, false negative credit reporting, and other issues with XXXX. She was given a run around by a customer service in XXXX. Then The loan was put into default status, and transferred to NationStar Loan services,  for a Loan Modification under threat of foreclosure. The missing money totaling over XXXX XXXX dollars was never credited to the mortgage account. A Pro-Se lawsuit was filed XX/XX/XXXX in Federal Court against XXXX by XXXX
I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.
I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.
My vechile was repossessed by XXXX XXXX XXXX XXXX and the vechile has since been redeem. 
However the vechile has damages and their are fees associated with the towing process and additional fees has been added to my loan but since the discovery of damages to my vechile I have no intention of paying those fees nor any repairs to my vechile.
I open a gym account and a few weeks later got in a XXXX and never went into the gym.told owner and she said she would cancel my contract since I never even went once
XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
Syncb ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.
I received a letter on XX/XX/2018 from Brumbaugh and Quandahl law firm stating I owe the amount of {$12000.00}. I responded asking for verification of the alleged debt in accordance with the FCRA section 609 ( a ) 1. In the letter Brumbaugh and Quandahl listed the Original creditor as XXXX. I was very specific with my questions to know what the debt was for, and how they calculated the amount and who the original creditor was and whether they are license to collect in my state and for them to prove to me if the status of limitation has not expired on that debt. I wanted to know if I have, or had ever had any contractual obligation to pay. I demanded if I have a physical signed contract with them. On XX/XX/2018, they sent me a fraud affidavit form that I should fill. In their fraud affidavit form, they made it sound I was a fraud victim and requested a fraud form. I clearly refused to fill the form because I never requested such form. I requested for proof of alleged debt. Why should I accept an allegation as facts. I was clear about what I requested. I wanted to know what right they have to demand for such debt. Again, I demanded for a sign contract from them as to how they arrived at that amount and gave them 15 days to responds as I have earlier given them 30 days before or they should delete my details from their account. This time they have the original creditor as XXXX. I noticed the inconsistency of who the original creditor is. I am waiting for the response to their letter or proof of the alleged debt.
I paid Western Union {$240.00} on XX/XX/2018 for a transfer of {$210.00} to XXXX, XXXX. When my fiance tried to collect, she was denied, without even being given an explanation. The tracking number is XXXX. When I went back to the place of purchase, they called Western Union and told me that I had to send an e-mail with the tracking number and a picture of the identification, current address, and place of birth. after collecting this information from the recipient, I sent the email. after 2 days I still had not heard back from them so I called their customer service. I spent most of the day on the phone with them, being transferred back and forth. I repeatedly asked to speak to a supervisor and each time I was transferred to a line that just rang continually with no response. The last time I called, my tracking number was not even recognized, nor was the phone number that is associated with the transaction, ( yes I entered the right number, I did it twice ). Western Union has taken my money 6 days ago, and when I tried to get it back, was told that I could not get a refund. As I write this, it is Friday, XX/XX/XXXX. So not only have I been defrauded, but this has also ruined XXXX because they told me that this could not be resolved for many business days.
On XX/XX/2018 I went to buy a motorcycle and XXXX credit card through Citi Financial refused to I inform me why application was not processed. AS a consumer I deserve to know when my credit is pulled why credit was not processed. THEY kept saying department that processes had in a queue but do not take calls. This is unacceptable and appears to be a business practice.