WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I had a substantial amount of XXXX work scheduled to be done and the XXXX  office offered the option of using XXXX XXXX credit card from XXXX Bank, that offered a no interest payment plan for two years. The first minimum payment was due on XX/XX/XXXX, and the final payment due in two years. I was encouraged by the bank at that time to sign up for paperless billing, which I did. I began making payments well above the minimum to be sure it was paid off before the two year deadline. The initial charge was for {$7400.00} on XX/XX/XXXX and we were told by the XXXX office that it would be 24 months, no interest. As the XXXX work progressed there were three additional charges : {$1800.00} in XX/XX/XXXX, {$1300.00} in XX/XX/XXXX and {$780.00} in XX/XX/XXXX ( dates may be a little off ). Each time before we charged these amounts to the card, we first asked the XXXX office if it was the same 24 months, no interest. We were told it was. Based on the information that we were given, each of these charges would have been paid in full within the appropriate time frame with the monthly {$500.00} payments I made. I never missed, or was late on a payment. 
After making the XX/XX/XXXX payment, my balance was {$380.00}. On XX/XX/XXXX, I received an email alert that my XX/XX/XXXX statement was available. We were in the middle of moving, and I didnt want to forget the payment, so I made it early ( so I thought ) on XX/XX/XXXX. I noticed that the email showed a statement balance of {$2500.00}, so I checked the account and saw {$2100.00} entered twice, once as an adjustment. I thought that this was a charge and a credit, which would XXXX out. On XX/XX/XXXX, when I saw that there was still a balance of {$2100.00}, I immediately called to find out why. I was told by XXXX, that the promotion ended XX/XX/XXXX, and I was charged the full interest. After reviewing the situation, I called customer service, again, and spoke to supervisor XXXX. He explained that the additional charges were for different time frames, not 24 months, and the bank applied the payments first to the later charges, because they were due sooner, and then finally to the original charge. I was told by the XXXX office that each amount we charged was payable in 24 months, no interest. That would mean that the payments would be applied to the initial charge first and all payments would have been made within the time frame. XXXX advised me to contact the bank via fax to XXXX to explain the situation and request the interest charge be waived. I faxed the letter on XX/XX/XXXX, with a follow up on XX/XX/XXXX, after I had remembered additional information. To date, I have not heard back from the bank. 
For these reasons, I am disputing the interest charge and requested that the bank reverse the charge so that I have a XXXX balance.
I have a parent plus loan for my son while he attended the XXXX XXXX XXXX   XXXX. The loan was originally Sallie Mae and is now with NAVIENT. The only success with help with lowering my payment was a forebearance, which only added more money to the parent plus loan. I have received a letter from XXXX XXXX on XX/XX/2018 telling me the if my delinquency is not resolved, your loans will default. Defaulting your loan ( s ) may result in the  following : Reporting of your default to each nationwide consumer reporting agency Offset of your federal tax refund and other federal government payments Garnishiing of your wages Assignment for litigation I am so tired of trying to lower my payments with no success. I need help with this.
This is my issue with Navient I called and asked about a payment plan and was given XXXX and then they want back on their word. They told me that the lady made a mistake when she told me that. I felt like I should have honor what was told to me.
I received threatening phone calls from Westwood XXXX. They also had a 3rd party person call and he stated he was a Sgt. With the Indiana State Police to my father and mother. He said he had a warrant for my arrest and needed to find me. He also left 3 intimidating and threatening phone calls on my voicemail. He threatened to show up at my place to " deal '' with me. My parents are old and he just about gave my mom a medical issue because he was so threatening to her. She was scared. 

I did pay all but {$200.00} of what was owed. My credit card was compromised and I had to cancel it. Immediately I started receiving threatening calls. Once again that they would show up at my house or my place of employment. I was not even given a chance to speak with them to explain the situation before the calls started.
I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, equifax, and XXXX ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.
I am in debt. Big debt. I contacted XXXX in XXXX to help me, especially with my credit cards. They were able to negotiate a lower rate for my XXXX credit card, and they are taking care of that now. 
My American Express card, however, was on a promotion, so the application for a debt management program was rejected. The promotion ended in XXXX. The DMP was accepted, then the payment was increased, then the whole thing was rejected. 
I received a letter from AmEx telling me to contact them about their internal DMPs. So I did. 
Once again, I was rejected. The customer service rep, however, could n't tell me why. No one can tell me why. Apparently, no one knows why. I kept asking how I was supposed to correct the problem if I did n't know what it was, but I got the same answer. 
One representative told me she thought it was because my account was current. ( I have been making regular payments of a little more than the minimum. ) I should skip my XXXX payment and call back, she said. Or, I could call back closer to my due date so it looked like nonpayment was more imminent. She would not close my account, even though I asked her to do so at least twice. 
Another rep told me to reapply in 60 days. 
XXXX was told to reapply in 60 days, but another rep told them that a rejection was final. 

What the heck?
I sent a XXXX Negotiable instrument to Chrysler Capital at their specified address for payoffs at XXXX XXXX XXXX XXXX, TX XXXX, for presentment on XX/XX/XXXX, and gave ten days to accept it for payoff in the amount of {$12000.00}, or return it with an explanation as to why it was not honored. I heard nothing. Not wanting to default on the loan during the ten day period of wait, made another cash payment of {$470.00} on XX/XX/XXXX. On XX/XX/XXXX, sent letter and notice of dishonor and 10 day notice to cure to the same address with no response. Sent a final letter on XX/XX/XXXX to the Legal Department at XXXX. XXXX  XXXX XXXX XXXX, TX XXXX informing them that if they do n't respond,, I will take them to US District Court. To the date of this report filing, have NEVER heard anything from them ... ever.
In attempting to access TransUnion credit report, TransUnion had me create an account and provide credit card information for presumed identity verification purposes ( appeared to be a part of account creation, no product description, recurring fee details, or indication that the card would be charged by TransUnion for any amount for any paid service ). 
Process of " creating a FREE a account '' is intentionally and purposefully designed to mislead users attempting to create an account to view possible credit monitoring products, access their credit report ( possible through both XXXX  and XXXX  account creation processes and websites ). 

As a victim of the credit reporting agencies data breach, and subsequent victimization by identity theft as a direct result of said breach, it is both demeaning and insulting to then be victimized by a credit reporting agency while attempting to access my credit report in order to rectify the financial and personal harm inflicted by the data breach. 

While I am relatively competent navigating complex sites in order to find the information I need in order to resolve an issue, the amount of difficulty I had with this incident is alarming in that the number of consumers affected by these deceptive practices ( which exist despite multiple adverse CFPB actions for similar practices within the past year ) who are vulnerable consumers, elderly, or unable to readily access a personal computer, landline telephone, or unable to lose pay in order to counteract the deceptive practices of TransUnion. 

TransUnion reference # XXXX ( account closed, refund for amount $ XXXX  subsequent to bringing up CFPB complaint process ). 
Federal Trade Commission Identify Theft Report # : XXXX Regards, XXXX XXXX XXXX
My husband and I have accounts at BBVA Compass Bank. XXXX of these accounts are CDs. Each CD pays interest quarterly. The latest interest for these XXXX accounts was XXXX XXXX, 2015. The interest on XXXX account was delivered via mail on XXXX XXXX, 2015. The interest check on the second CD account did not arrive. I waited until Friday, XXXX XXXX, and called Customer Service at BBVA Compass Bank. I was told there was nothing they could do, that I had to personally drive to the bank for assistance. I went to the bank and spoke with a banker there, who told me that since it had only been a little over one week since the interest check was missing, that there was nothing he could do. I had to wait two weeks for any help. I waited until XXXX XXXX and went to the BBVA Compass Bank location at XXXX XXXX and XXXX XXXX in XXXX, Texas. I spoke with the Bank Manager there who made several phone calls. He determined that the check had not been cashed. He also stated that they would put a Stop Payment on the check and if it did arrive in my mailbox, I should just shred it. He further stated that the replacement check would be processed the same day and I could come back that day for it. I asked him if the interest check could be deposited into my checking account. He said that would be fine. The next day, the Branch Manager called me and said the check would be processed Monday, XXXX XXXX. I could check the website on Tuesday, XXXX XXXX, and the check would show in my checking account. It did not appear Tuesday morning, as I expected. I called Customer Service to see if they had any record of the interest being deposited into the account. XXXX, at BBVA Customer Service, stated there was nothing in the accounts, no deposit, no notes that showed any transaction. XXXX promised to check into the matter and call me back. It is now almost XXXX and I do not think XXXX or anyone else from BBVA is going to call. The interest in question is {$37.00}, not a huge sum of money. However, I have been waiting for this money owed to me for nearly three weeks. What miserable customer service. Unconscionable of them to treat a customer in this manner.
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Had made reservation with  XXXX  for the amount {$700.00} on    X/XX/2017 .   Cancelled the reservation with  XXXX  withi n 24 hours  for the full refund as per their policy.     Did not receive refund from  XXXX  for this cancelled reservation.     Raised a dispute with  Citi bank who issued provision credit. Was sent a letter by CITI to provide details of dis pute which I did as per their request to complete in 30 days.     However on   XX/XX/XXXX   citi closed the investigation saying that they had not received the form form.     This is totally incorrect as the form was mailed t o Citi at their address CITIBANK  CUSTOMER SERVICE   XXXX   XXXX   XXXX   XXXX   XXXX   SD  XXXX .     I also have the copy of the form whcih i can provide in case they have not received.     I would like to have this dispute researched. The dispute id is  XXXX
Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life
I received preventive care from XXXX XXXX XX/XX/16. They submitted this to collections after I was told via email it was corrected as a result of being preventive care. My insurance classifies routine XXXX XXXX as preventive care. This was not due to a illness, etc. This was a yearly routine physical.
On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX  decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a  payment into the program were made of {$80.00} ea.
I was under the notion that if had paid my debt it would get removed off my credit report but never did. Never got back to me after 3 weeks. I had contacted Contract Callers because I had a collections with them from back in XX/XX/XXXX. I had paid the full amount of {$160.00} in XX/XX/XXXX. I was fully coerced and under the impression into believing that if I had paid the full amount this collections would get removed off my credit report because they had made me to believe my credit score would be negatively impacted which it has. Contract Callers is in violation of the Fair Debt Collection Practices Act ( FDCPA ) using deceptive practices to lie that if I paid my debt it would be removed and be improve my credit score. However, it was never removed and when I had called Contract Callers, the gentlemen on the phone said they would look into the phone call that was made and stated that Contract Callers does not remove collection items on the credit report. However, they will request to the credit bureau to remove the collections account based off the phone call so the representative on the phone said he'll call me within 24-48 hours. Its been 3 weeks and i have never gotten a phone call, letter, or email from Contract Callers even though all my information is fully updated in their system. I had to call back contract callers again during my work hours and was put on hold for another 30 minutes and realizing they were scamming me into paying my collections knowing full well they would not even improve my credit score by having it removed even though they said it would. I have tried to XXXX other complaints made against Contract Callers and there were literally 100 's of other different complaints against this company through other various agencies. This issue must be solved immediately!
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XX/XX/XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XX/XX/XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
Experian has continue to report negative items on my credit report that do not belong to me. They have sent me paperwork indicating that they are no longer on my report, but still have them there which is against the law. The following accounts need to be removed form my Experian report as they are not mine : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. # XXXX 3.  XXXX # XXXX 4. XXXX. XXXX XXXX # XXXX 5. XXXX. of XXXX # XXXX 6. XXXXXXXX XXXX   XXXX # XXXX 7. XXXX XXXX XXXX # XXXX
this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.
portfolio recovery is making numerous attempts to collect debt that im not sure what the charges are? this is adversely affecting my credit ... all other debts are paid and are current, not sure what portfolio recovery is trying to collect monies for, have not received any written notification of this debt. numerous phone calls to my phone while im @ work and @ home are annoying, they also tagged my phone so when im on another phone call they try to call in. this seems to be illegal that they know when im on my phone? would like to resolve this matter, so it is not affecting my credit score for  future loans and or services
There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./
I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.