WillisBack/dataset-financial-user-claim huggingface dataset:
Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????
I paid off my card balance in XXXX 2016. Apparently, I was charged {$53.00} in interest fees AFTER paying it off. I was not sent a statement either by mail or by email alerting me to the fact that I had a payment due, despite the fact that I am set up to receive e-statements. Because I was unaware that I had a remaining balance ( believing I had paid it off and having checked it in XXXX to make sure the payment went through ), I incurred late fees in XXXX and again in XXXX, bringing my total to {$110.00}. ONLY THEN on XXXX XXXX, 2016, did I receive a statement asking for payment in full. That was when I checked my account and discovered the problem. Citibank has refunded XXXX of the late fees ( {$37.00} ), but they need to refund the {$27.00} from XXXX as well. I would also like as much of the interest refunded as possible or at least check it to see if the charge is legitimate, since I had paid off the balance in full the month before. I am asking for a total of an additional {$80.00} in restitution.
I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
I have contacted the original creditor XXXX XXXX and spoke to several reps there. I was informed that Rhodes Kelly was not instructed to report this account to the credit bureau. Therefore it should be removed from my credit report immediately and sent back to XXXX XXXX. My second issue is XXXX XXXX provided an itemized bill to Rhodes Kelly, I did not authorize them to send my information to Rhodes Kelly Associates. This information should've been sent directly to me. There was no need for them to review this information this is PHI and is a HIPPAA violation. If they have some sort of agreement with Rhodes Kelly I was not made aware of it.
I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.
I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX XXXX 
(Capital One)
$XXXX

This is not my credit card. This is fraudulent and would like this removed immediatelyld l
My XXXX XXXX XXXX account is reported as delinquent and seriously delinquent XXXX, the contract was signed XXXX XXXX 2014 and the first payment of {$85.00} bi-weekly was due XXXX/XXXX/2014. On XXXX XXXX 2014 I made a payment of {$320.00} which equals 2 months of payments. On XXXX/XXXX/2014, 10 days later, I made a payment of {$340.00} which equals another 2 months in advance. Although I provided a copy of my payment history from XXXX XXXX XXXX, Equifax continues to provide potential creditors with erroneous information. In addition, I have been denied credit because of this intentional reporting of wrong information.
Check into cash on XXXX XXXX XXXX Ohio issued a loan to me for an amount of approximately XXXX dollars in XXXX, I made payments. Upon making another payment later in 2013, maybe XXXX payments later, there was a offer of refinancing loans and receiving a new loan for more cash. I asked that this special be explained to me thoroughly before accepting the refinancing of current loan or any extra money upon refinancing. After agreeing to get the loan I was handed approximately $ XXXX on a loan that was originally the $ XXXX, after refinancing. I was not made aware of that, I was fooled into accepting this with the understanding of a much higher amount, then handed {$30.00} approximately with expectations of hundreds more. Although there were emergency reasons for these loans, as a consumer I was lied to and cheated and taken advantage of. I now receive calls that I would be arrested and fake warrants via e mail threats. The original cashiers name was XXXX. This is criminal to XXXX people in debt and attempt to destroy my credit history.
I have sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!
delinquent account listed on my credit report by credit agency Experian that is not mine. Experian stated it was verified to be mine from an apartment complex in XX/XX/XXXX in XXXX Md whereas I have resided and currently reside still at same address in XXXX XXXX Md since XX/XX/XXXX. I asked to be provided with documentation supporting their findings such as my signature in agreement with account and i have not been provided with any support from Experian
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX  earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Chase sent me an email saying I do n't need to contact them unless a transaction was fraudulent. I did n't and they then put a hold on my account w/o notifying me. After doing this they still sent me a balance transfer check that I deposited in my account to complete a balance transfer. They again sent me an email and said only contact them if it WAS fraud. It was n't, so I did not contact them. Chase then returned to maker and I was charged a fee from bank for Chase canceling the check. Chase refuses to pay for the fee caused by their mistake. If they had put a hold on the account why was I not notified? Why would they still send me balance transfer checks knowing they had a hold on the account? They claim those checks are sent automatically, but that is misleading to the consumer. When you receive the check and have the balance, you assume it is useable. You have know way of knowing there is a hold and that the check will be declined, resulting in a returned check fee from your bank. This is a serious flaw and is likely costing several customers like it did me. This practice is harmful to the cardholder and should be stopped. Thanks.
I have recently had some credit card delinquency, but not with some of my banks that I currently have revolving credit with. I have been trying to resolve my financial issues. In the meantime, I have never been late with a payment or delinquent with my Juniper Card through Barclay. I received my tax return and paid {$1000.00} payment on my Juniper card because I will have to take a trip XX/XX/XXXX and reserved a hotel room with it. I checked on my account today online to find my account has been closed! I called the number for customer service, thinking it must be a mistake because my card does not expire until XX/XX/XXXX, and customer service informed me that my account has been closed due to my credit report. Can they steal my money that way? Can I sue them for corrupt practices? Where is my consumer protection?
Predatory lending violation via telemarketing by 2 XXXX XXXX Wells Fargo telemarketers to an elderly couple violating CT state predatory lending laws to the elderlyand especially to an XXXX & XXXXyr old couple with XXXX and XXXX. The elderly couple were enticed into a 30yr refi via landline by 2 telemarketers from another state. No mortgage protection insurance was offered, no attorney was available to protect the borrowers. There was no understanding by the elderly couple of what was transpiring. Undo pressure was placed upon them by the telemarketers. The fraudulent telemarketers knew there was no way an XXXX & XXXX yr old couple could live for 30 years or survive to repay a loan on one income should and when one of them died. The telemarketers were only interested in their commissions & not one humane thought was given to the elderly couple. Telemarketers knew couples inability to repay the loan would render the survivor homeless or into foreclosure. Couple has since passed away & as their daughter, I was quit claimed their home. Upon learning of the loan 's fraudulent inception, I began asking Wells Fargo questions for over a one year period that they are unwilling to answer. I have stopped making payments as I will not pay for a criminal act. They have my phone # yet, say they are unable to contact me? Untrue! Contact @ Wells Fargo : XXXX XXXX XXXX
I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX  and XXXX  have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.
My name is XXXX XXXX. Over 30 years ago, i took out less than {$5000.00} from XXXX XXXX XXXX Bank. I have paid out close to {$15000.00} over the years and when i speak with XXXX XXXX XXXX ( XXXX ) in XXXX NY, the collection agency taking my social security paycheck, they tell me i still have close to a {$3000.00} balance. 
This is absolutely insane. I have paid this loan off more than 3 times and they still say i owe the majority of the balance. The holder of the loan is ECMC in XXXX MN XXXX Plz help me!
I tried to dispute a public record on my report and they are not removing it as asked. They are just doing what they want and don't care what the person is asking. I sent them a letter that indicates that it need removed and the the section number on FCRA that the letter shows.
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. We called Equifax on XX/XX/XXXX to inform them my credit report dated XX/XX/18 indicated that I had a score of XXXX. I spoke to a customer service representative who promised to give me my score once I paid the {$7.00} fee. After erroneously having my debit car charged twice, he informed me that I would receive my score in 10-15 business days. I then asked for a supervisor who essentially confirmed to me that a score of a XXXX was correct and Equifax was unable to calculate my current, accurate credit score. After being placed on hold several times, the supervisor promised that she would call me back with a solution and correct credit score. She even promised to email me, and gave me a confirmation number of XXXX. I was NEVER called or emailed. I still do not have a Equifax credit score. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX Auto Loan, and my current education loan through XXXX.
Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...
they claimed i defaulted on my XXXX XXXX loan last year. The defaulted loan was transferred over to the guarantor, the New York State Higher Education Services Corporation. They agreed to put me in a  payment program, at the conclusion of which, the loan would be taken out of default status, and they would give the loan over to another private financial institution for me to begin paying again. The acknowledgement of debt agreement i signed in XX/XX/2018, has a total current principal and interest with collection cost of {$63000.00}. My total balance as of XX/XX/2018, is {$79000.00}. XXXX. I will try and include documents to this effect. I have made all of my payments as prescribed under the agreement by the due dates specified. For an agency or institution to charge collection fees or interest in excess of {$15000.00} is ridiculous, if not criminal. My collections representative at NYSHESC and her manager say this ( marking up the amount of the loan so dramatically ) is something they have to do anytime they take over a defaulted loan but this sounds very suspect to say the least. I should not be subject to an outrageous financial practice such as this. Please help me stop this by having NYSHESC bill me based off the correct and original loan amount of XXXX, instead of the random, way-overblown amount that they used, which currently results in a balance of {$79000.00}, after just 7 months of being on the payment program. I am sure if a situation like this were to become public, it would look very bad for the people at NYSHESC. Please help.
In  XXXX   XXXX  my mortgage loan balance was {>= $1,000,000 }, ( m y original originated loan amount was for {$1200.00 }, ) I  was offered/granted  a Loan Modification b y   XXXX   XXXX   XXXX   ,  at a new balance of  XXXX .  ( defe rring {$350000.00}. ).     I believe there is an error in the calculation, and I would like my balance adjusted to the principal balance at time of modification of {>= $1,000,000}.     I submitted a written request to the Loan Servicing company, SPS  Select Portfolio Servicing Inc.  in  XXXX   XXXX  asking for this investigation and correction, they responded that they are governed by the modification agreement. I am asking for your assistance to help escalate this matter for me which is far greater than I am able to manage on my own. Your assistance is appreciated.     Notes :  Current Balance   XXXX   (   XXXX   XXXX   ) Deferred  Principal {$350000.00}. (  XXXX   XXXX   ) Total Statement Balance  {>= $1,000,000}
Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?
1- I bought a XXXX XXXX XXXX XXXX, In XX/XX/2018 using XXXX. The watch did not work properly, I was concerned because I got it over sea. XXXX, the merchant, and I worked this problem out, and the watch was properly returned in common agreement ( I have all the evidence showing this : emails, returned labels, post office receipts, etc ... ) 2- I initially informed citi double cash of the problem. Even though, I told them the way I made the purchase, they mistakenly took the event as a fraud case. The way the item was paid was through XXXX. XXXX, held the payment for this transaction all the way to XX/XX/2018. I asked XXXX to refund Citi double cash, XXXX told me that they could not do anything and I needed to call Citi double cash. I did call Citi card several times, but they did not listen. 

3- Someone in Citi double Cash fraud Office made the decision that it was no fraud ( which it never was ), this person in Citi Double Cash passed that decision to XXXX where the MONEY ( {$390.00} ) was held. XXXX base on that decision send the funds to the Merchant. 

4- All the above information, was gather through months of this ordeal for me, and on three way phone call with XXXX , Citi Double Cash Agent , and Me, on XX/XX/2018. This event was immediately followed by another three way phone call with XXXX, CITI DOUBLE CASH AGENT, and Me, all at the same time. All of this in the afternoon, on XX/XX/2018. 

5- As it is right now, XXXX , and XXXX said to me that they can not open any dispute with this crook Marchant because of the fraud decision this careless Citi 's employee made, and Citi double cash has not done anything to clarify and fix this problem. So, I am frustrated because I can not do anything to solve the problem. 

6- I do not like this credit card company anymore, so I paid all the balance I owed on this card EXCEPTING this transaction ( {$390.00} plus interest and penalties they are now charging {$500.00} ) and I cancelled this credit card.
The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account