WillisBack/dataset-financial-user-claim huggingface dataset:
The visa " gift card '' I purchased to specifically use for an online purchase was declined. When I contacted customer service, I spoke to  XXXX . I asked him as to why, I was informed it was because the card was not registered. I then hung up and went to register the card. I then attempted to make an my online purchase again. The card was declined  XXXX  additional times. I called customer service again and I spoke to  XXXX .  XXXX  informed me that it was because the company I was trying to make my purchase with was flagged. I asked  XXXX  what does that mean?  XXXX  said that Blackhawk was investigating that company. I then asked  XXXX  if there was certain businesses that Blackhawk refused to do business with, why was it not plainly written on the package upfront so the consumer was aware. He could not answer my question. I then asked  XXXX  to put me through to his supervisor. Af ter 15 mi nutes of waiting, a supposed supervisor by the name of  XXXX  came to the phone. I posed the same questions to him.  XXXX  told me that Blackhawk did not do business with that company because it was under " their '' investigation. He could not give me a timeframe of that investigation because he does n't know. I asked him what I was supposed to do being that I was not informed that Blackhawk does not do business with certain companies prior to purchase of the gift card.  XXXX  suggested that I use a competitor gift card provider instead. I told  XXXX  that indeed I would do so next time. I then asked  XXXX  to speak with  XXXX  's manager and asked what was  XXXX  's manager name.  XXXX  refused to put me through to his manager and refused to tell me his manager 's name.  XXXX  was extremely rude with his rebuttals and refusal to provide me " the customer '' with any information. I told him that I would file a complaint with someone and he told me to go right ahead.
I continuously receive calls from Global Portfolio Recovery claiming that they access to my social security number with a claim against me that I owe on a debt that I am unaware of. They call my work and cell constantly! It gets to the point that I need to put my phone on silent.
I submitted my dispute in XXXX via fax, no confirmation from Equifax received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed Equifax customer service, to which they responsed with instructions on who to dispute. This is very frustrating, Equifax is not even allowing me to send information online.
For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!
Dear Sir or Madam : I am a veteran, recently I relocated to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
We have a mortgage through State Farm Bank. The beginning of the year they started generating mortgage statements/coupons on the XXXX of the month. Since then every month it takes XXXX 12 days for it to reach us. Our mortgage is due on the XXXX of the month, so the document reaches us about XXXX3 days before our due date. I have called & spoke with XXXX supervisors who basically say there is nothing they can do. When I have requested duplicate documents from the same location they ALWAYS arrive within 4 days. Is there something you can do so that we receive our mortgage payment coupon AT LEAST 10 days before our due date?
Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.
XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. 
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.
My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.
I have sent multiple communications to Southern Management Systems. They have refused to send me the original contract that I signed. They also alleged that they have sent me verification of the debt and they were not sending me anymore corrospendences. I would like to see the contract and have the debt verified. On my credit report, it says I owe {$1600.00}. I would like to have this verified and if not verified I would like it removed from my credit.
I was XXXX XXXX XXXX college XXXX in XXXX XXXX and I had a student loan previously with Sallie Mae and after become Navient.I am struggling with payment option because my income is low and they ruin my credit.
I opened a new acct with XXXX XXXX per their offer in XXXX when I bought things here. The total charge was {$67.00} and it was due XX/XX/2018. I paid off this amount of {$67.00} on XXXX, knowing that I was late therefore a late charge will appear later, I called XXXX and asked to have my late charge waive as a one time courtesy. The lady who answered my phone was very helpful and said will do that for me. I assumed things should be ok by then, but when I got back XXXX XXXX in XXXX, checked on my mails and notice no late charge has been waived but on top of it is more late charges adding up to today ( almost a hundred dollars ). I then called again and spoke to a lady, explained the whole thing, after that she hung up my phone? I was frustrated and disappointed because I do like XXXX  XXXX. Please help. Thank you very much. XXXX bless. XXXX XXXX.
A substantial amount of money was wired to XXXX ( Coinbase ) with the instructions followed down to every minute detail. The site states that transfers will be accepted same day if conditions were met. There was no warning of delays on the wire transfer page and my money has been missing for 4 days. I have contacted XXXX over 5 times and waited on hold for hours with the phone rep saying there is nothing they can do and wait for an email. I have received no resolution.
I notorized and signed a loan modification agreement with Sortis Financial on XX/XX/18 ; and Sortis signed it on XX/XX/18. The new terms are interest rate of 7.6 % for 25 years with new payment amount of {$990.00} starting on XX/XX/18. The XXXX payment was sent electronically on XX/XX/8 in the amount of {$1100.00}, the old payment amount. On XX/XX/18 an electronic payment for XXXX was sent in the amount of {$990.00}, which is the new payment. Attached is a copy of the loan modification and agreement signed and notorized by both parties, with a copy of the envelope they mailed it in. On XX/XX/18, I received a letter in the mail dated XX/XX/18 from Sortis that my mortgage had been sold to XXXX XXXX XXXX ( payments - XXXX XXXX XXXX XXXX, Tx, XXXX ; correspondence - XXXX XXXX XXXX, XXXX, CA XXXX or XXXX ), effective XX/XX/18. It says that Sortis will receive payments with respect to this loan thru the day before transfer. 
Something does not sound right regarding this transfer after the loan modification agreement. 
In addition, I received back from Sortis, the original signed and notorized loan papers, with no explanation or cover letter.
I reporte d Portfolio Recovery bo th here & to the FTC on  XXXX / XXXX /  XXXX  , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by  bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE  XXXX  SINGLE ACCOUNT PAST DUE! Until recently, I only had  XXXX  very lo w balance credit  card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having  XXXX   XXXX   XXXX  next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.
My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?
We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!
I have been disputing a XXXX account that was opened up in my name fraudentaly. I kept getting the run around and being told that the account was verified as mine. I was completely fustrated as this fraudulant information on my credit reports was negatively affecting my credit score. I finally spoke with adrianna in the fraud investigation department for XXXX. XXXX ... .I was also given another number to call in the recovery dept XXXX ... .I explained to the rep that I just called that number and was transferred back again. I explained that this has been ongoing and I did not open this account and I am requesting to speak to someone in the fraud dept. I was transferred to adrianna and after a 1/2 hour she confirmed this account will be removed from the credit reporting agency 's. I followed up with this information myself to the XXXX credit reporting agency 's. Equifax at first would not let me re-dispute this information. I was told I can add a statement to the dispute so I was transferred again to someone else and added the statement. I am in hopes that finally this fraudulant information will be removed from my credit reports.
We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.
We have impounds for taxes and insurance with 5th 3rd bank. They pay our insurance for us as we pay monthly and we have never missed a payment. They are sending letters threatening to force place an insurance policy on our account. They are trying to make us provide proof we have homeowners insurance when they in fact have our policy and pay our policy. I believe they made a change on their end and are having trouble getting what they need from our insurance company so they are putting burden back on us and making me wait on hold for an hour at a time to resolve when we have done nothing to cause the issue. Madness.
To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine.

I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX  did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX  label from XXXX and proof of delivery from the XXXX  showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it?

Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable.

I attached the documents for a review for both CFPB as well as for Discover.
I found out that there were XXXX additional names being reported on my credit. ( XXXX mortgages,XXXX auto loans and $ XXXX in debt - NONE of which are mine ). I was unable to access online information, since the security questions did not pertain to me so I faxed a dispute ( XXXX different times ). I have not received any information regarding this issue and names and accounts are still on there. I really have no idea where to go from here! I am looking to purchase my first home, but with my credit in the state it is currently in, this is not an option. Someone please help!
Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX XXXX. It has been over XXXX months dealing with XXXX XXXX XXXX XXXX deleted this account because it could not be verified. XXXX XXXX XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il dept of hc and family service has not verified in writing. Portfolio Recovery which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.
BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.
I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.