WillisBack/dataset-financial-user-claim huggingface dataset:
The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.
I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.
due to equifax data breach i have tried contact them on phone, and im disconnected after waiting on hold. 
i have tried their website and it will not allow you to enter information and site crashes
I received an unsolicited XXXX rewards XXXX card issued by Chase Bank. I did not activate the card and took the mailing envelope along with the XXXX XXXX and enclosed documentation to a local Chase branch and requested that the card be closed. The Chase officer called Chase Security and they canceled the card telling us that fraud was already suspected and that they had some knowledge of the Amazon.com/Chase Bank connection so the card was frozen prior to the branch banker calling today. Since the card was not activated there were no charges made so to the best of my knowledge nobody lost any money. I was told by Chase security to notify the credit reporting agencies, and the financial institutions with whom we have accounts to alert them. I have checked all of our accounts and received a credit report from XXXX and found no suspicious activity.
Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX
My wife tried to book our honeymoon to XXXX XXXX thru American Express Travel. They booked to XXXX XXXX XXXX and attempted to arrange travel. AMEX Travel was unable to book flights with reasonable layover. My wife instructed them to cancel the trip. On my XX/XX/XXXX AMEX statement I received a charge of {$11000.00} for the hotel. I called AMEX and they said we were inside the 30 day cancellation date and there were no refunds. I told AMWX that we would go on the trip if they could arrange airline travel. They said they would investigate it, but it could take several months. The XXXX XXXX did refund 50 % of the charge or XXXX. The reservation dates came and went. several months later they said they would not reverse the charges. I cancelled my AmEx card after 30 years. They continue to call me regarding payment. AmEx should take responsibility for the mistakes of their sister company AmEx Travel. They are policing themselves and trying to make me pay for something I didn't receive and was their mistake.
First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it. 

Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX  me over for a long time.
Erroneous Overdraft Fee : As per notice attached from TD Bank, at the end of XXXX, there is no overdraft since I transferred funds from my other account with TDBank. If the check had been returned, the Overdraft Fee would be valid, but the check/payment was cleared on the same day, and even their notice is showing no overdraft at the end of XX/XX/2017. 

XXXX never ever charge any Overdraft Fee for such scenerios.
In or around XX/2015 my personal details was used to obtain service with this company. 
I, XXXX. XXXX XXXX has given no-one the authority to open this account and was unaware of its opening until it was found to be reporting on credit report. I would like to have the recorded application forwarded to me so that it can be validated as well as all signed documents and ID used to verify the applicant which led to the opening of this account.
I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
XXXX Dear Sirs I had sequence of five failed XXXX XXXX with last one in XX/XX/XXXX. I stopped working in XX/XX/XXXX and left to XXXX and came back only in XX/XX/XXXX. While I was in XXXX I gave power of attorney to my manager to handle my divorce case. My lawyer received all the documents through online and said he wanted $ XXXX to handle this case. I paid him the money immediately.
The he started demanding more money overtime to move the case forward while in reality he never worked on the case. However I borrowed from friends to pay him to close the case. I have paid him around {$15000.00} at which time the case was still open.
Finally my ex-wife made an offer to bring the divorce case to a closure and my lawyer forced me to take it ; which put an end to the case as such his service has been minimal and his effect in the court has not been favorable for my request.
When I came back to the USA in XX/XX/XXXX we called him to inform I was in social security XX/XX/XXXXand received only {$700.00} and willing to pay {$50.00} a month to pay the remainder balance of his lawyer fee.
He transferred the file to credit collection and they updated all credit beauru about the balance.
I refused to deal with the collection agency and pay {$50.00} until debt is over and XXXX XXXX was in agreement however he failed to keep his promise from beginning to now.
I suddenly got very ill in XX/XX/XXXX and underwent a XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX expenses has completely wiped me out of my borrowing capacity and I asked XXXX XXXX to write-off the debt or Wait till my situation improve..
However he has asked Cascade collection agency to deal with this situation.
XXXX XXXX  never kept his promise to close the case with {$5000.00} which I initially paid instead he kept procrastinating the file and sending bills after bills. Eventually my case came to a closure with the offer my ex-wife made.
Now there is an outstanding debt from his office pending for collection from Cascade collection agency. Please help us find a solution in this deplorable situation.
On or about XX/XX/2018, I was notified by XXXX Credit Bureau that XXXX XXXX reported over the balance with a decrease in credit by two FICO scores. I logged into the bureau to find by Discover cover over {$150.00}. I called discover no one had the info and I thought it was related to illegal activity on my account. I logged into my Discover account only to find that on XX/XX/2018, Discover did a repost to a dispute for {$220.00}. he company did not notify as advertised or make a called to see if I wanted to challenge the amount or what was going on. Discover then allow a representative on XX/XX/2018 to approved the {$220.00} from the merchant to be legit and failed to look at the required contents of the submission provide my the account holder. I have excellent credit and only at lease pay Discover balance in full mostly every month. To not get notified of this overcharge or dispute is not within ethics, standards nor does it restore confidence and Integrity with Consumers. The agent acted without thoroughly reviewing what Discover had previous requested for the initial dispute. The documents was in view but, this agent just sided with a company who Scam me and may be others. On XX/XX/2018, I spoke to a supervise and she resubmitted the dispute and gave a provisional credit. I had previously report this same merchant to XXXX and XXXX stated they had zero tolerance for merchants like XXXX with scamming customers and it was against their policy. I have used this merchant in the past but, no for this type of services and they had always completed within one day. This last project they lied to get my money then, gave me the run-arounds for a month and tried to credit for my work. I called Discover ( spoke with a different Supervisor ) I told her about the agent on lack of effort of them not reviewing the documents and she stated, " It not a legal requirement to do so! '' I asked then, why would Discover have me to download the Proof when, Your not going to hear what your customer has to say or give them rights! She then turned into a unlicensed attorney, " That is way you need to take legal actions because, it looks like to me all the work is the say! '' I don't know how Discover made her a supervisor. She was not speaking in terms knowledge of Discovers mission statement, value, Integrity, or trying to restore confidence like the first supervisor. ( my understanding from the conversation ) She's telling me, '' we don't care its what every the merchant states. Your complaint is just going to repose again. Your wasting your time. Out of her own mouth- That's why you need to filed this in COURT ... WOW. So, Since Discover did the repose on XX/XX/2018 hurting my credit and this last supervisor advising me to file this in COURT. I feel I have no RIGHTS and Discover will do this again.
I purchased an ebay gift card on ebay.com through seller Paypal XXXX XXXX on XXXX/XXXX/XXXX with a stated value of {$100.00}. The buy it now price for this auction was {$95.00}. This gift card was delivered via email on the same day and sat unused in my email inbox until I tried to use it for the first time almost a year later on XXXX/XXXX/XXXX. At this time, I entered the provided gift card code and the balance showed {$0.00}. 

I filed a dispute with Paypal and they promptly denied my complaint. I searched online for a possible solution to this problem when I came across XXXX, where users in the forums reported a hack of the Paypal XXXX XXXX database. There were many users reporting stories similar to mine, and one of the members directed people in the forum to consumerfinance.gov for a possible resolution.
The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts.
Ocwen services my loan, They are NOT the lender, They just service loans ( collect payments and pass on to lender ). I asked for the name of my lender but they have NOT provided that information. In fact, every email I have sent since original phone call comes back as non deliverable.Ther si no other way to contact them except by phone and that has not worked, They are currently under investigation by XXXX state regulators for irregular servicing activities, They have a horrible track record and their CEO was forced out. All I want is the name of my lender!! Ocwen loan # XXXX
Nationstar Mortgage , LLC purchased my mortgage from XXXX XXXX ( DBA XXXX XXXX XXXX ). Due to circumstances beyond my control, I had to slide the mortgage payment one month. After almost a year, I have not been able to resolve the payment with Nationstar. They continuously hold extra payments in suspense and misapply those payments. They are charging late fees inside of the 30 day grace period allowed by my mortgage contract. They send a letters continuously threatening foreclosure, even though I am currently less than one month behind. I have requested a face-to-face meeting for arbitration several times and they have failed to come to the table. I am fed up with their predatory practices. Any calls to formalize the catchup process in a written agreement have been met with resistance from Nationstar. It seems they are more interested in dragging the process along so they may unjustly enrich themselves at my expense.
On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
I have repeatedly filed a dispute investigation with Experian an contacted the accused creditor accounts in my credit file and Experian is not following proper dispute investigation. I do n't believe their even disputing my disputes. Experian feels like the consumer that 's disputing item is a credit repair company but it 's me the consumer. I honestly feel Experian is hurting people credit on purpose to provide identity theft products they sell. Please investigate this company. There destroying American citizens
On XX/XX/XXXX I deposited a check for {$680.00} via Bank Of America 's mobile app. It posted to my account the next day. On XX/XX/XXXX my account was deducted {$680.00} with the explanation that the check image was unreadable and therefore returned by XXXX XXXX XXXX unpaid. I still had the physical copy of the check so I mistakenly tried to redeposit the check on XXXX/XXXX ( before I knew that it had already been paid ) but it was returned NSF. According to XXXX XXXX XXXX, the check was paid and their account holder 's account was deducted {$680.00} on XXXX XXXX, XXXX. A XXXX Financial Representative faxed over a letter on official letterhead to this effect on three separate occasions as per requested from BOA, but they are still maintaining that the money has not been paid by XXXX XXXX XXXX. I have been given three different contact names and fax numbers by Bank of America 's research and adjustments department yet have no way to confirm that they have received or processed the information. I have spoken to a different person each time I have called, around 17 times. I have spent over 6 hours trying to get them to reach out and directly contact XXXX. I have provided the contact information so I do n't have to act as the intermediary since clearly I am not familiar with their operating procedure, but to no avail. XXXX XXXX XXXX  provided the information they requested yet Bank of America refuses to address the problem. On XXXX/XXXX I was told that they actually did receive a fax on XXXX/XXXX, but they said they needed more information. They chose not to contact XXXX XXXX XXXX to request this information, but instead closed the case. Bank of America recommends that I deposit the check for a 3rd time, clearly demonstrating that they lack understanding of the issue. I have been to both banks in person and spent over 6 hours explaining the situation to Bank of America representatives on the phone, often being told conflicting information. I 've asked to have the case escalated but was told there is no case manager available.
On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.
I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I applied for the Capital One Spark Miles Business credit card for my business purchases during the XXXX XXXX week. I received the card on Monday XX/XX/2018. I called to activate the card and uploaded my driver license as requested. I called again and was told they will hold my card several days before I can use it! I've never met any credit card company doing this. Capital One is crazy. I have provided everything they need. But they still won't allow me to use the card until after the shopping season?! I heard a lot of bad words about Capital One before. Now I learned it myself.
Unknown Accounts on my credit report DISPUTE XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$72.00} Balance Updated - Credit Limit - Past Due Amount {$72.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$59.00} Comments - XXXX XXXX XXXX L Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$71.00} Balance Updated - Credit Limit - Past Due Amount {$71.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold-to - Original Amount {$71.00} Comments XXXX XXXX XXXX L Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount {$2000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold-to - Original Amount {$2000.00} Comments - XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$920.00} Balance Updated - Credit Limit - Past Due Amount {$920.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Original Creditor - Company Sold-to - Original Amount - Comments - XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$1600.00} Balance Updated - Credit Limit - Past Due Amount {$1600.00} High Balance {$1600.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
I have a Macy 's credit card and I paid my outstanding balance on XX/XX/18 using my XXXX checking account, however, they keep charging me for original amount+past due because on their end they can not locate my payment. They called me multiple times regarding this issue and said that I did not pay my balance. After several conversations, I was able to talk with a XXXX and faxed my bank statement showing the full amount payment. In spite of all these actions, they refused that I made a payment.
Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.