WillisBack/dataset-financial-user-claim huggingface dataset:
Purchased fridgerator and stove on XX/XX/XXXX and was told it would be a lease to own product using whynotleaseit. Cash price was {$1800.00} and contract stated we would only pay a total of {$1500.00} per the sales price. Contract states wed pay an initial amount of XXXX, and then next pay of XXXX due on XX/XX/XXXX followed by XXXX payments of XXXX to complete a XXXX period term. We paid the initial payment of XXXX on XX/XX/XXXX and then made XXXX additional payments of XXXX with the final payment on XX/XX/XXXX for a total of XXXX, not {$1500.00}. Contract states we should not have paid past XX/XX/XXXX but that is not correct as it would have only equaled {$1400.00}. At this point we are under the impression we own the product since we have fulfilled all payments and then some. However, it then states on their website in order to own we have to pay an additional {$910.00}. If I have to pay the additional {$910.00} I would have paid a total of {$2600.00} to own a product with a cash price of {$1800.00}. That is almost a 40 % markup. This company is deceiving their customers into thinking they are renting to own, creating confusing and incorrect contracts, and are charging customers additional fees after payments have been made in full.
I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.
My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good name.
Problem is keeping up with what 's going on in my account. I go into my account using mobile banking and some transactions are a certain way then, I go back in about 3 hours to a day later even and the transactions are in totaly different order. My payroll deposit went in on a Friday morning around XXXX XXXX I went in my account on Saturday around XXXX XXXX  and it was showing that my check had n't even got my account and all the transactions I had made had all been placed in a negative overdrawn status. I 'm completely breaking down at work when I saw this. I call my manager asking him why the company took back my payroll check. He looked in his account with XXXX XXXX and his was fully processed and deposited. Keeping in mind that just Friday at XXXX XXXX my check had been fully deposited not in processing status. My whole bank sheet was in a sea of t red colored disarray!!!! I wanted to order lunch from my favorite Chinese restaurant and could not. I screen shot a picture of my account on my phone and you could clearly see my payroll check was gone and all, ALL my transactions had been put in negative status!! This is n't the first time this has happened. I ca n't even keep a good record because Everytime I go in to check my account there are different transactions in places where they were not an hour or day before when I checked!!!
I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.
So on all my credit reports knights adjustment breu is trying to collect a debt that was cleared from insurance through XXXX XXXX XXXX XXXX and has taken fund from me with notification to me and destroyed my credit and have several things that I have never seen before and don't owe this I believe my parents used ssn with out my knowledge and is effecting my life dramatically and I don't know what to do
I have an Amazon card issued through sycnchrony bank with a {$1000.00} credit line. On  XXXX / XXXX /  XXXX   I made a purchase for {$370.00} and then attempted a purchase for {$290.00} on or about  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received an email indicating this charge was declined, even though obviously within the credit limit. I called the number on the card, which is  amazon  customer service who said it was denied because it exceeded the remaining credit amount left. They said there was the purchase, but also a " pending transaction '' for over {$300.00}. I immediately freaked, thinking a victim of CC abuse. After speaking to  three  reps, they could not give me any more information and transferred me to synchrony bank. They said the same thing, could accurately identify the purchase made, but not the pending transaction. I honestly am being treated for   XXXX   and  XXXX  and this has me through the roof. I immediately canceled the card and told them I would make no payments now until I received an adequate response. Probably sue for   XXXX   XXXX
Orion Title & Escrow LLC-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida , XXXX ( XXXX ) XXXX Contacts : XXXX XXXX , XXXX. ( attorney ) and XXXX XXXX ( owner ) Orion File # : XXXX XXXX I was the Seller in a transaction that closed on XX/XX/XXXX at XXXX XXXX. Orion Title was the title company and settlement agent. 

On XX/XX/XXXX Orion provided to me a Seller 's CD listing fees payable by the Seller. I advised XXXX XXXX that same needed to be revised to include XX/XX/XXXX payments that were already made. She refused to revise the CD and only after I provided her with the relevant proofs of payment did she finally revise the CD and on XX/XX/XXXX ( less than 24 hours prior to scheduled closing ), ADDED A " SELLER DOCS PREPARATION CHARGE OF {$500.00} TO ORION TITLE. When I questioned her about the fee, she stated that was her standard fee ( not a fee for the revision ) but failed to provide any explanation as to why it was not on the CD provided on XX/XX/XXXX. I never agreed to pay that fee nor was it discussed or disclosed to me until less than 24 hours prior to the closing. I refused to pay the fee and reached out to XXXX XXXX, XXXX. for assistance. 

I received no response on XX/XX/XXXX however after the closing had already started XXXX XXXX, XXXX. stated that XXXX XXXX was the owner of the company and that the {$500.00} fee was not a " revenge charge '' but instead was the standard fee yet once again did not address why the alleged standard fee was not on the CS provided XX/XX/XXXX. XXXX XXXX never contacted me again. 

This was a mail away closing for me and I returned all the documents via XXXX XXXXXXXX signed without the {$500.00} fee. The Purchasers were at the closing table and ORION TITLE STATED THEY REFUSED TO CLOSE UNLESS I SIGNED A NEW CD AND AGREED TO PAY THE FEE. This would have severely prejudiced the Purchasers who had taken off from work and were moving into the premises that weekend and likely would have been subject to adjournment fees from their lender for an adjournment at the closing table. Out of consideration for the Purchasers and out of duress, I signed the new CD via email and the transaction closed. The practices of Orion are unethical, unprofessional and in my opinion equate to extortion.
I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX
Yes, 1. I switched phones and i tried to use chase mobile.
i called the number and the phone represetative said he could help me and i asked if he was sure.
then he took my social security number and then said he couldnt help and hung up on me or transfered the call but either way this practice is disgusting.
2. the branch manager at chase in the XXXX or XXXX XXXX did not know how to do a wire overseas and gave me wrong advice and cost me 30 hrs of my time trying to get to another chase from XXXX nc where i moved for work.
On  XXXX ,  XXXX , I was involved in an auto accident. My  XXXX   XXXX   XXXX  was deemed a total loss. I did not have collision coverage on my insurance policy ( see attached insurance declaration page ) and since the other driver was determined not to be at fault, I had no way of recovering anything for the total loss. So the car just sat at a salvage yard where it was taken after the accident. I drove for   XXXX   and the car was how I made a living as well. All of my bills got behind and I was struggling. In  XXXX .of  XXXX   Motor Max Financial Services, who had a loan on  the  XXXX , offered me a settlement amount of  XXXX  to pay off the loan on the car as evidenced by the accompanying letter. I worked constantly with my insurance co. to see if I could recovery anything. As a courtesy, since I had been wit h the Insurance co.  for such a long time and being a  XXXX  military veteran, they made an exception to help me. But when th e Insurance co. called Motor Max to get a pay off, they were told by Motor Max the  amount of  XXXX . The loan co. doubled the payoff amount! I fee l Motor Max Financial Services ' actions constitute predatory lending practices. A representative of Motor Max Financial Services also made disparaging remarks about me and said that I had insurance when the Insurance declaration page   clearly shows that I did not have collision coverage on the automobile.
I decided to check my reports from all credit bureaus for accuracy after a recent fraud alert scare. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian via phone and certified mail and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.  XXXX   X/XX/XXXX  2.   XXXX    XX/XX/XX , XX/XX/XXXX , XX/XX/XXXX  3.   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX  4.  XXXX   XX/XX/XXXX  5.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX     XXXX    7.   XXXX    XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.   XXXX   XXXX   XXXX    XX/XX/XXXX  10.  XXXX   XX/XX/XXXX  11.   XXXX    XX/XX/XXXX  I have now locked my credit reports until  I am ready to utilize.
I have or had been with Wells Fargo since XX/XX/2006. This past year I had a few problems with my account. Everything was golden UNTIL I received a call from Wells Fargo saying that " due to a business decision '' they're terminating my relationship with me. I asked why they're terminating the and the only reply I received was " because the bank wants to. '' After researching online about Wells Fargo I've seen that Wells Fargo often closes consumer accounts for " business decisions. '' I've given literally tens of thousands of dollars to this bank and when you call them you're treated like the bad guy. The kicker of this all is that I didn't ask for any action to be taken. Wells Fargo decided to initiate the actions on the account. I called Wells Fargo last week because the claims department is still investigating past their 90 day limit and the representative said " the disclosure you signed says we can close your account whenever and wherever. '' Unprofessional, dishonest behavior from a major company.
i disputed XXXX accounts with experian and they ended up sending them back verified, so under my right under the fcra i had sent in a letter certifed mailed wanting a summary of how the got the information to actually verify the account, under the fcra law they are required to provide the consumer with a description of how the investigation was conducted and what resources they used to verify the accounts, the fcra code is ( FCRA Section 611 ( a ) ( 7 ). ) it states that they have to provide this information no later than 15 days after they receive my request, and they clearly did not all they sent me back was there letter saying they will not investigate these accounts again so as of now i am 100 % positive that they are in violation of FCRA Section 611 ( a ) ( 7 ).
Wells fargo denied my loan modification based on inaccurate information .Theu claimed I have a transportation expense when indeed when the correction of that was relayed via overnight certified mail and verbally to their home retention unit and XXXX XXXX month ago.Without a transportation expense I most certainly do qualify to get this modified taking XXXX % of the rents ( {$1300.00} ) by wells fargos models ( with this trANSPORTATION expense backed out would certainly cover a hypothetical 30 year note payment at market intrest with aggragate balanced arrearage owed included.Enough is Enough.wELLS IS LOOKING IN EVERY WAY TO STOP THIS MODIFICATION FROM HAPPENING.
TSI i s reporting account number  XXXX  on my credit report after it was paid. I was told it would not be on my credit report.
I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.
I have a XXXX XXXX through Continental Finance ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XX/XX/XXXX. 
Last week, around XX/XX/XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a 70-point decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XX/XX/XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. Continental Finance indicated this was their error and they would be happy to fix it.
National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. 

This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. 

National Credit Systems is a fraudulent company scamming people and should be stopped.
I travelled to XXXX XXXX XXXX XXXX for one evening. I went out to dinner with friends and used the ATM machine twice either at the restaurant or ATM machine my card was skimmed. THe perpetrators were able to use my PIN and withdraw funds from multiple locations within minutes of each other. At the time these transactions were taking place I was on a bus back to the airport. ALl supporting dicumantation was given to the bank manager. Originally my claim was denied, one purchase was blocked but was then approved on the second try. The bank has not contacted me when I asked to escalate to a supervisor and no transaction or other records have been forwared to me as requested. My account have always been in good standing and this is a business account. 

I flew out Saturday and back to XXXX on Sunday, my flight left at XXXX XXXX and I supplied a bus ticket receipt for XXXX departure. I notified the bank the very next morning but they said they could nto do anything becasue the cahrges were still pending.