WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX
The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from Portfolio Recovery Associates stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. Portfolio Recovery dismissed my statements and said I would have to pay that amount.
please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings experian, XXXX have been reporting it, please help me to have them removed from their reports thanks
I have received a copy of my credit report and observed that an American Express account is opened under my name that I did not authorize or open. This company has my personal information and account that I did not open. They also gave collection agencies my personal information. American Express should never have my personal information or allow an account to be opened under my name without my authorization. They should also sent my information to collection agencies. I also found out there is a judgment on credit report. I was not told by American Express that they sued me and to appear in court. I was not notified. I have never done business with company.
Today XX/XX/2018 I got an alert from XXXX   Credit Bureau that Radius Global Solution posted a derogatory account to my credit file for an amount of {$64.00}. 

I have never received any written or verbal communications from this company informing me of the debt or was I given the opportunity to negate/agree of the validity of the debt.
I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.
Hello, I have been in communication with Portfolio Recovery for about two months without proper validation of this debt from them. I contacted the company via certified mail to validate debt in which they were trying to collecting. 

However, they wrote me back basically saying the debt was verified. They didnt follow protocol in the letter that I sent for the validation process. 

I have sent out a validation debt letter and a 609 letter. We are currently going on month # 3. 

Also, I reached out to the credit bureaus in which they responded to the credit bureaus saying the debt was indeed verified with no actual proof of the validation of debt.
XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
Please removed fraud alert from credit report. Information dose not include current phone number or address. it also is making it hard to apply for credit.
GC Service tacked on {$6000.00} in fees. I feel these added charges are unfair and they make it hard for you too pay your loan over time. I Asked them where the extra fees came from and no one could give me a clear reason. The gentleman I spoke with said it could be some kind of service charge but he was n't sure either. I understand that my loans have to be paid back but it 's not ok to make some pay all these unknown extra fees. I 'm now going through garnishment of wages which is % 15. If I going to pay it back it must be for the right amount.
Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.
Alliance 1 collection agency regarding ezpass tolls they are charging me $ XXXXThe original amount due was {$550.00} which I paid in full on my XXXX card. I wrote a dispute letter but I plead my case to them I think it 's outrageous that they want to charge {$3000.00} in fees and interest this was an old debt from 2012 please help me with this matter I think this is not legal thank you
Attached to this complaint is a letter from the Consumer Financial Protection Bureau ( CFPB ) in regards to the Consumer Financial Protection Bureau requesting for Equifax to delete the following accounts from my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and MN Child Support Enforcement.
I am XXXX years old and on Social Security. As recently as yesterday morning I received a threating call from a XXXX XXXX in New York claiming he would sue me, ruin my credit, and step up harassment if I didn't pay {$4000.00} which was accruing interest daily. 

I have received over sixty calls from this person. I can not verify that he maintains a license as a debt collector in the state of New York. Sometimes he uses the name XXXX XXXX, other times he uses XXXX XXXX, and still other times he identifies himself as being from XXXX. XXXX XXXX. I received one letter from him that had two different logo 's, one was an XXXX under another, but both appeared to be third generation photocopy letterhead on the same page. 

I have contacted XXXX XXXX directly who advises the account owing {$4000.00} is now paid off. We also satisfied another XXXX XXXX charge from purchases made in the XXXX. 

XXXX XXXX certainly feels to me that he is acting with the profile of a scammer. I would like him and any associates to stop the intensive calling. 

Thank you!
I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.
I was sent a letter saying the financial services I was repaying my loan has a lawsuit against them and I need to be granted a refund.
I have disputed a collection on my Equifax report several occasions and have not gotten a resolution. I paid a collection from   XXXX   XXXX   XXXX   for {$240.00}  ( {$250.00} w/ fees ) o n  XXXX   XXXX ,  2016 . It is being reported on my Equifax report as being open and the full amount owed. I called  XXXX   XXXX   XXXX  and they report the account as closed and say that Equifax never contacted them in regards to the dispute I filed.
Fay Servicing has increased our Escrow by using figures that DO NOT include all of our mortgage payments. They purchased our loan in XX/XX/2018. XX/XX/XXXX and XX/XX/XXXX payments were mailed separately to them. However, on their report sent to us by a their Attorney that they sent to Court only show one ( 1 ) payment being made not two. I  have attempted to send them the cancelled checks but XXXX XXXX refuses to accept them and get this resolved right away. This has also caused lots of unnecessary stress on us and loan companies calling us saying our loan has been MARKED for inclusion trying to get us to refinance all due to them not posting all of our payments. This is a Federal Violation of our rights, not applying our payments, misreporting our mortgage account to Credit Bureaus for months now, and deceptive by omitting these important facts to increase our Escrow.They have a letter from our Attorney to talk to us on file.
I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.
The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about them.
Initial application for XXXX XXXX XXXX card filed on XX/XX/18. 

Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. 

Contacted credity agency and had freeze lifted and credit report was received by the card agency. 

Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. 

The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. 

Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. 

The tracking number for my applcation with Barclays is XXXX.
I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
.
A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.
I called Transunion/XXXX to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing Transunion/XXXX  still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending Transunion/XXXX  negative updates everyday even though I closed my XXXX account. I advised Transunion/XXXX  that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP
a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you
Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.
Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.
Swiss Colony  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.
Mitsubishi Motors Credit of America Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, XXXX and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others
They call me XXXX times a day asking when I can pay. I 've told them my financial situation plenty of times, and they insist on a concrete date when I can pay my entire debt. They have called me while I was at work.
I HAVE A PRIVATE LOAN FROM A XXXX I ATTENDED, MY MOM WHO IS NOW RETIRED AND NO INCOME WAS THE CO SIGNER. I AM NOW WORKING ON MY CREDIT AND WAS FORWARDED TO A LAWYER WITH NO PAYMENT OPTIONS. SECOND I DO N'T EVEN HAVE A JOB IN THE FIELD I STUDIED. NEED MORE EXPERIENCE THAN DIPLOMA ACHIEVED
I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. 
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX