WillisBack/dataset-financial-user-claim huggingface dataset:
I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low ( EXPERIAN ). All three reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, XXXX, and experian ) had three different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage.
I 've disputed a XXXX XXXX account with Equifax and XXXX multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and Equifax and XXXX. Equifax and XXXX continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.
I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.
I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.
In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. 

! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 

2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? 
Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 

3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!
A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.
I feel very frustrated with the way Navient is dealing with repayment programs. I called several times ( during the limited times a working person can contact a huge corporation ) to find out information and guidance for a deferment program. They asked me the same questions over and over again, and at the end sending me to a general website that did not have all the information and the clear steps I needed to start the process. Every time I was talking to someone, she was in a hurry, always, trying to cut the conversation, leaving me with the sensation they did not want to give me the real or accurate information to start a deferment application. At the end, the last call I made to Navient, I had to tell the lady " No, I'm not done '' I needed more guidance and the address to send the application. She gave me an address I almost could not find online, Why it was so difficult to find an address millions of people need in a desperate circumstance in their lives? I am still waiting for a response on my application, but I'm very disappointed and dissatisfied with their services when I have paid a lot of extra money to my loans. They told me the online application was faster and I could not find the application, nor the way to do it online, considering I am good with the internet. 
Thank you. I just needed to get this out of my chest.
I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.
Received a robot call from this company stating to call them back. Called them back and they refused to give me the information after I identified myself. Told them to stop calling and called again.
I had called ( XXXX ) on XXXX XXXX, 2017, trying to take care of my Federal Student Loans. I  spoke to a guy who said his name was XXXX. Through our conversations about my student loans, I thought he or his company ( Helping Hand Consultants ) was affiliated XXXX. So when he asked for my personal information to set up payments I assumed he had to have the information to do what was needed in order to start payments. In the end I had given him all my personal information to include ; name, phone number, address, social security number, credit card information, work information, and signed over my XXXX account power of attorney. After some research and talking with XXXX I realized I made a mistake and that " XXXX '' should have never asked me for my personal information. I was supposed to pay {$330.00} for the next 3 months and then {$0.00} there after. According to the information on the document I signed their information is as follows- Helping Hand Consultant XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX XXXX ext XXXX
This all started about XXXX 2017 ... .I reported my incident to the NJ Banking and Insurance Commission , who refered it to Offiice of the Comptroller of Currency who in turn referrred me to your agency .... 

Yup ... .I have been getting the run around. 

However this is what occurred .... 
I contacted XXXX XXXX XXXX XXXX and spoke with their card representatives on 2 occasions and advised them that that I was trying to increase my credit standing with XXXX XXXX who was represeenting XXXX XXXX on a promotional credit card purchase with XXXX XXXX in XXXX XXXX NJ. 
At the same time I also advised the representative that we were going to decrease my balance at XXXX XXXX ... so that it would not illustrate a high balance on XXXX XXXX card which is also with XXXX XXXX XXXX XXXX. 

On both occasions I was advised by XXXX XXXX representatives that if I decreased or closed XXXX XXXX account which I did not need any more and wanted to increase XXXX, if would be possible. I called on XX/XX/2017 to establish the new credit rating for XXXX-XXXX  XXXX XXXX as I only needed {$700.00} more added to my existing {$3500.00} to make the carpet purchase ; speaking with the representative, I was denied ... I dont understand if two representative tell me that it can be done and then I implemented what they told me to do, then why was I denied ... 

I closed out {$2000.00} of credit on XXXX XXXX synchrony accont and wanted to increase XXXX by {$700.00} and was denied with the same banking institution XXXX XXXX?. I provided my salary of {$180000.00} also. Please help as this is NOT fair ... You can ; t tell the consumer one thing and then turn around and hurt them when you comply with their instructions ... 
It 's very simple I want or need or was advised that I could increase my credit on the XXXX-XXXX credit card at XXXX XXXX by {$700.00} if I closed or dropped the {$2000.00} credit line at XXXX  XXXX ... 
It all makes sense but the Bank DENIED it after the representaievs at the bank advised it could be done? DAH
This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on two accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.
I 've been paying on my loan for 4 years. I just got notice that Navient is raising my payment in order to keep me on my 10 year payoff schedule. I argue that I 've been given a payment and have paid it for 4 years now, and they 're just now discovering that the payment will not pay off the loan in the 10 years as statef and I 'll have to pay XXXX more a month to pay it off. Who is doing the math? Why am I responsible for their mistake? I think they should have to write it off, it is their mistake.
First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX
I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.
Chase closed my bank accounts in XX/XX/2019. The problem is that all of my online account access has been cut off. I have credit cards and a car lease that I need to manage online and chase has blocked ALL online accounts, not just the bank accounts. This is a HUGE problem now because I can not access my accounts! I dont care about the closed bank accounts, I just need to access my credit cards and car lease accounts online! When I called chase on XX/XX/XXXX, all I was told was account access is restricted and that they could do absolutely nothing to help me access my various other accounts online. When I asked what I am supposed to do now to manage those accounts, the response was sorry I can not give you that information.
I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.
I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score.
Equfax reported, for years, an erroneously {$100000.00} tax lien which was satisfied years ago. They finally corrected that, but now their report also erroneously lists a debt of {$320.00} which is listed by XXXX. I requested, by certified mail ( with proof of receipt by XXXX ), of this XXXX year old puroported debt and they sent nothing. Yet Equifax refuses to either require XXXX to furnish the documentation or drop the claim. XXXX is sued for this type actions frequently and Equifax knows or should know that.
Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.
Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.
I don't believe that this is solely Santander Bank. Since 1994 when XXXX changed the area code from XXXX to XXXX my outgoing calls have been forwarded and intercepted by a hostile and unprofessional independent call center acting as my own personal customer service team without my permission, acceptance, or agrerment. Lately like my XXXX bank account Santander has been witholding making debits to my account balance on my billing statement. Long ago I opted out of being able to overdraft my account. Example : I will pay a bill on the XXXX and on the XXXX the check is cashed. Santander won't debit it from my account until the XXXX of the month. Meanwhile it is showing in billpay activity as paid on the XXXX. Currently Santander is making a personal judgement against me and calling me a fraud. XXXX Pay through XXXX XXXX did the same thing last holiday season. Santander is not allowing me to make purchases with my debit card and they are backlogging purchases. On XX/XX/XXXX two payments made through XXXX play in app purchases for {$4.00} were backlogged for XXXX. I tried to make another of the same type of app purchase for entertainment in the amount of {$19.00} and the purchase was declined for insufficient funds. The csr from Santander said that they didn't approve of my purchase and said that it was from a casino game and considrred gambling. Later that afternoon of XX/XX/XXXX I tried to make a purchase for an online job opportunity and the {$47.00} purchase was declined for insufficiebt funds. The csr from Santander said that the purchase was most likely fraud if I had to pay for the opportunity. I was also told that the {$47.00} was being debited and then credited back seconds later. I asked to speak to the fraud department and I was told that they needed me to confirm some purchases in my email and to set up text messaging one time code options for security. And I had to update my cell phone number which they didn't have. So I didn't get the notifications about their new security procedures. They could have mailed it to me. ( And I have told them multiple times about the call center. Santander was also made aware that my emails were hacked and that I prefer to be contacted through usps mail. Because email is not federally.protected mail ). So, they promised this issue was resolved. I then, about an hour later, attempted to make the {$47.00} purchase again and it was declined again for insufficient funds. Then I tried to order food for delivery in the amount of {$33.00} including tip and that purchase was also declined for insufficient funds. I then went to the ATM and withdrew {$60.00} to pay for the food in cash. ( I had the money in the bank from my tax refund. I have one outstanding check for {$66.00} for a utility. ) Santander made personal.and unprofessional judgements against me and how I choose to spend my momey. And they are unfairly calling me a fraud.This is slander.