WillisBack/dataset-financial-user-claim huggingface dataset:
A few years ago- I applied for a Care Credit Card. I do not dispute the fact that I used the services, however it appears that no matter how much I pay per month my balance neber goes down. The terms of this agreement was never made clear to me at the time I applied for this card. My history indicates payments made but it also indicates it is never enough. Not even when I make payments of {$300.00} a month. I was recently told that I had late fees when I am actually paying before the due date of the XXXX and it still appears that the money doesn't apply for that month. This Company is a loan shark and today I was told I am paying at least {$97.00} a month just for interest. And have been charged this amount for quite some time. At this rate I can never pay this card off. I haven't used this card in nearly 2 years, been making payments and still habe a Balance of nearly {$4500.00} and never even used this much in services. I nerd assistance in settling and closing this account once and for all. This is unbelievable and causes nothing more than total stress to the person possessing this Care Credit Card. The way this Company operates is not made clear when the application is completed.
Chase XXXX Credit Card. 
Suddenly they stopped the use of my credit card, They send me a few e-mails to correct the problem, it says chase fraud protection, asking me to recognize some transactions, I do not respond immediately, later message says response is not valid anymore, when I call, many questions and card is blocked, I spoke to several associates and no success, they say someone will call me within 24-48 hours, I got a prepaid phone, If I do not answer they leave a message to call back, I called, the the process is the same, someone needs to call me back, and the process keeps going on, I got tired and ask them to close the account and they can not close the account either, they say someone will call me, I said I can wait 5 minutes I will answer the phone, someone called me today X/XX/2017 and person from chase did not talk at all, so I hanged up. 
this is so frustrating, I do not owe any money to them I just want to close the account, tired of wasting time on calls and dealing with Chase associates.
I tried to call Experian over the phone at XXXX XXXX XXXX and I could not get in touch with any live person that could help me that is why I am filing the dispute threw CFPB. There is a high balance of XXXX reported on my discovery card and on other credit reports such as XXXX  I saw high balance of XXXX in the month of XX/XX/XXXX. This is incorrect high balance and current balance for the month of XXXX billing cycle. The correct balance and high balance for XXXX is XXXX that will be sent to Experian in the next few days. The problem with XXXX or XXXX balance it is over the credit limited of XXXX and that is not my closing statement balance. This is XXXX account XXXX open XX/XX/XXXX.
THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE. 
We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.
TransUnion keeps messing with credit score I have reported this. My score is XXXX now today I dont have a score
I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.
I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.
Below is the letter that was sent to Equifax today along with a copy of the CFBP dispute case this is in reference to : " Equifax : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Equifax and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Equifax to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.
Interestingly enough, Trans Union is incorrectly reporting XXXX of my student loans with having late payments in their history. Trans Union has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and XXXX late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Trans Union claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Trans Union claims I was late, the Trans Union report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the XXXX on XXXX XXXX, XXXX. I have attached the documents from XXXX showing the due dates and you can see it is not possible for these to be reporting late since they were not due and in forbearance. XXXX for your time.
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this account.
CitiBank has refused to refund my overpaid balance on my credit card. The reason provided is my account is under 'security investigation '. When asked to speak with someone about the matter, Citi customer service said to write a letter.. It 's 2017! why am I being forced to correspond with letters? I have since written the letter, but received no response. <P/>Truth in lending act regulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer
I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX  XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX  XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.
Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.
I am a member of USAA, and have been for over 3 years. I recently was forced to obtain a new chipped debit card, and since I have received it there has been too many problems to count. USAA is placing fraud holds on my account multiple times per day, requiring me to call them repetitively daily after most of my transactions. I have asked is this hold being placed manually or automated, and was told it is automated. The last straw was on XXXX/XXXX/2017, I made a few purchases, and my car broke down that morning. I have kids and work, so I needed a rental ASAP, when arriving to enterprise they tried to process my transaction and it declined. I then called USAA and stayed on the phone with them over an hour trying to fix the cause of the problem, which they stated was because of the transactions, I placed earlier being fraud. I told them it was me, and when the card was reactivated enterprise said they could n't use my card any more because it was declined. I then had to transfer money to another account, and pay USAA a XXXX transfer fee. Even though this whole issue was their fault. I then later needed to pay my mortgage on that day, and when trying to pay it online through XXXX, was declined again. I called USAA and was given the run around for about an hour, after all the hassle they still did not help me. I was unable to process my transaction, causing another fee with my mortgage company. I think it is a disgrace when someone has the money in their account, and in times they really need it are constantly being blocked because of a flawed automated system. I have never been with a bank that blocks my card after use like this bank does. I should be able to access and spend my money any way I wish. This is a problem for me because I handle alot of bill paying online, as well as other transactions. I have to call them at least 2-3 times a day since I received this new card to reset it because it keeps saying fraud.
I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.
On XXXX XXXX2016 I purchase a home in XXXX Florida. before the the purchase We were pre approve for {$320000.00} and we bought the home for {$270000.00}. Bank of America did not approve the loan till two hours before the closing to my surprise when the closing agent was going over the closing cost, Bank of America charge Me {$3000.00} to be added to my loan and a monthly fee to be included with my monthly payment of {$110.00} for ten years ; none of this was inform to me till the closing. I put down {$100.00}, 000 which is over 35 % and I was not expecting any thing like this.I have a previews short sale 4 years ago and they new about it ' and pre approve me for the loan. I call Bank of America to tell me how much more I need to put down to get this fee out of my payment and they have no give me and answer yet, I am willing to paid up to 50 % of the loan to get this fee off my payment ; please help ' Thanks
I AM FILING THIS COMPLAINT BECAUSE THE CREDIT BUREAU IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNT AND INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. THE CREDIT BUREAU FAILED TO PROVIDE ME WITH A PROPER INVESTIGATION AS WELL AS PROVIDE ME PHYSICAL PROOF THAT THE ACCOUNT AND INQUIRIES DISPUTED WAS MY ACCOUNT
XX/XX/2013, I ran into Old Navy to get a bag and my daughter a swim suit for a trip we were heading to. However, the cashier asked if I would like a discount card to recieve coupons, I said yes. However, she never did say it was a credit card at all! So after she said I did n't owe any cash, I knew something was wrong, I then asked her how that was possible, she said you just signed for a card with us. I then told her I did not want one and to make it stop and I 'd pay cash, it was miscommunication. She then went on to tell me It was to late, I needed to contact her Supervisor, never did get a hold of him. I would like this solved. This should n't be holding me back from my future! 
Thanks.
This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. 

The representative I talked to when calling in refused to provide me their name and a suitable address. 

The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. 

Transaction ID : XXXX XXXX XXXX XXXX XXXX.
I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.
On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.
I initially borrowed XXXX dollars in XXXX. I graduated from XXXX school in XXXX. The first couple of years I paid, then I deferred a couple years followed by a forebearance or two. I was never given a statemwnt indicating all this interest would be tacked on to the end. It was literally a phone call and answering yes to XXXX questions. Too easy! I was young and had no idea the mess I would be in today. I have been paying consecutively for at least 5 years now. The last XXXX, greater than a hundred bucks a month. I called to get a payiff because I had n't received a statement and my loan had been sold several times .... I owe MORE than I borrowed 16 years ago!!!!! Outrageous!
Someone fraudulently used my information snd/ or the misleading information derived from XXXX breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
This is follow up complaint to previously filed CFPB complaint ( ref # XXXX XXXX American Express responded to my original complaint that the matter will be resolved by XXXX/XXXX/XXXX. 
As of today, XXXX/XXXX/XXXX, advertised bonus points are still not credited to my account. 
When I contacted the american express regarding the issue, I am again being told that they will have to open the investigation. 
I am suspicious of AMEX business behavior of false advertisements.
THE REASON FOR MY COMPLAINT AGAINST TRAN UNION STEMS FROM TRANS UNION FAILURE XXXX INVESTIGATE XXXX FRAUDULENT INFO THEY PLACED ON MY CREDIT REPORT.XXXX HAS FALSIFIED MY CREDIT REPORT BY CLAIMING MY XXXX IS IN COLLECTION XXXX HAS NO DEBT COLLECTION LICENSE FROM DCA SO THEY ARE BREAKING THE LAW.IN ORDER 2 DEBT COLLECT IN XXXX YOU MUST HAS A LICENSE..
Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!
After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.
This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,
This company ( Bureau of Medical Economics ) repeatedly contacts me on my work phone - despite my requesting multiple times that they stop calling me at work.