WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
Experian I would Like for you to please answer a very simple question. basically a yes or no answer Do your company keep the original consumer signed contract on file at your XXXX tx site or wherever you guy 's report consumer 's info?
At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.
XXXX  - I received Citigold Promotion Invitation through my email and enrolled the  promotion.This email o f mine has registered with   Citibank Earn Up to a {$700.00} Cash Bonus after you fund a Citibank Savings Plus Account.
Promo Code   XXXX   XXXX  - Deposit new t o Citibank Fund into my existing Citi Gold Savings Plus Account. And the deposit is maintained in Citi Saving Plus until now.    Record is as below :  XXXX  ACH Electronic CreditFID BKG  XXXX   XXXX   XXXX  {$30000.00}  XXXX  - Have received  Citi    bank research results responding my inquiry on when to receive the cash bonus {$300.00}, Citi bank has denied the cash bonus offer for the reason : " Unfortunately, there was not Cash promotion offered in conjunction with the opening of your account. While Citi does offer Cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' It is so obvious that Citi Bank either did n't do their so-called research at all, or Citi Bank refused to honor customer cash bonus by some fraudulent reason : First of all, the promotion offer I was enrolled under IS NOT EVEN about opening account. Second, I am the targeted customer. I have   received promotion letter through m y Citibank regi stered email and physical address mailbox.     The promotion  XXXX  detail is described as follow ( the following text is copied and pasted from another research letter also returned  by Citi Bank, w hich is responding to my inquiry about this promotion details and requirement on  XXXX  ) : Dear  XXXX   XXXX ,  XXXX / XXXX /  XXXX    XXXX  Thank you for your inquiry on  XXXX / XXXX /  XXXX   regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : The terms and conditions for Promotion  XXXX  required the following Make a minimum deposit of {$25000.00}, with money not currently held a t Citibank or its affiliates, into a new or existing Citibank Savings Plus Accou nt between  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .   A minimum balance of {$25000.00} is required to be maintained in the  Citibank Savings Plus Account for three sta tement periods after the {$25000.00} minimum deposit is made.   A regular checking account packa ge ( the Citigold account package, the Citibank account package, the Basic account package, Student  package or Access account pack  age ) is required.
The qualifying deposit tiers are : $ 25,000.00- {$49000.00} earns a {$300.00} bonus ; $ 50,000.00- {$99000.00} earns a {$400.00} bonus ; $ 100,000.00- {$240000.00} earns a {$500.0  0} bonus and {$250000.00} and more earns a {$700.00} bonus.   The qualifying deposit must be maintained in the  Citibank Savings Plus Account unti l  XXXX   XXXX ,   XXXX  .   Once you meet the above terms and conditions, please allow up to 90 days from the date of the qualifying statem  ent ( s ), which satisfied the terms and conditions, to receive your incentive.
I have met all the terms and conditions. Hope CFPB can help me seeking for the justice.     Thank you very much  XXXX
I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.
JC Penny XXXX XXXX XXXX XXXX FL XXXX To whom it may concern : I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. In XX/XX/XXXX, I had a vehicle stolen from me which caused me to use my credit cards to pay for lawyers and costs to the loans. I was able to make payments, but was very extended on my credit. In XX/XX/XXXX, I contacted your team to see if I could work out a payment plan which would reduce my monthly payment. We agreed to this and while on the phone, I was required to make the first agreed to payment on the plan. I continued to make these payments only to get a letter stating that you sent my account to collections and charged it off. I was very confused as I didnt understand why this happened as I made the payments. The person I spoke with told me that I didnt make the original statement payment, so this is why you did this to my account. She told me that it is not her issue and that I should have understood the agreement. I asked her why they didnt require me to make the minimum monthly statement payment and she told me thats not their role. I explained that I wanted to avoid a lot of negative impact to my credit which is why I called, she told me this is not the purpose of the plan and its not your problem. You can pull the recorded calls to validate this and also pull the original one which I did ask if I needed to make the payment on the statement and the person told me no. I am working to get a loan to consulate my debt and these late payments are preventing me from doing this at this time. I am unable to purchase a home all because I tried to work out a deal with you to reduce my payments. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was a victim having my car stolen and extending my credit. I also am a victim of being given incorrect information by your team. I did call into your team each month and provided updates and it was not a positive experience. I did everything I could to ensure JC Penny/XXXX didnt have a negative impact when it was all said and done. I am avoiding filing for bankruptcy and would like to continue to build my credit. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that JC Penny/XXXX is willing to work with me on erasing this mark from my credit reports. I finally started working with a specific rep in your recovery team who was positive and amazing. To remain a victim of the theft of my car is heartbreaking as I cant get a consolidation loan or even purchase a home. 

I have been a very happy customer in the past and hope to continue a long relationship with JC Pennys/XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. I look forward to your reply.
On XXXX XXXX my husbands ATM card was stolen. We immediately went to our bank and the bank manager looked up our account, we found that someone had put charges on that card in the sum of {$520.00}, we only had {$650.00} in the bank ( our social security check ). We therefore had no money to live on ... .no gas money, grocery money or medial expense money, I am XXXX and this was an extreme stress for us. We went into the bank everyday asking when we will be reimbursed for this money and promised a different day each time. We talked with the fraud department several times at no avail. We need our money and the other concern is that our other s.s. check is coming this Wednesday and we are afraid that the bank will deduct that money from our new check. Even though the amount was XXXX, with all the Over Draft fees we now have a negative of over XXXX.
This is in regards to Navient. 

Last week on XX/XX/10, I made an attempt to reapprove my lower repayment monthly rate. 

I had been informed, I simply need to call back to reapprove my rate. 

I am then told ( while never previously being told this ) - I am no longer eligible for my previous payment arrangement and that I will now have to pay more ( 600+ a month ) ... .we take an expense inventory, the person on the line speaks with their manager, and Im not approved ... 

Supposedly, my co-signers and I can afford to pay. 

I told them my co-signers can not pay, they are declaring bankruptcy, and that I am willing to pay ... just not 600 plus a month ... once they hear that they immediately offer a repayment similar to what I had been already paying and stated they would call me back. 

What happens next? 

I get a letter stating I was rejected ( after they take money ), that I will owe balances, I will have to pay the 600 plus a month, and that there were no other offers any other options, just pay or not pay ( then collections and court ). 


( side note : EVERY time I call- its a different story and I always owe money ... no matter what was previously stated to me ... and all calls are recorded- regardless, I owe money. ) Lastly, they negarively hit my credit even while I was in a repayment program. 

One of the worst loan servicers I have ever encountered. 

I am trying to do right and pay. My co-signers are submitting for bankruptcy and I dont own any assets ... they can try all they want but I wont be able to pay in excess of 600 a month.
I've been trying to resolve this issue for over a year now. I had a XXXX XXXX card in XX/XX/XXXX. I lost the card around XX/XX/XXXX. I reported it lost. I received a new card from Synchrony bank. I became dissatisfied with the transfer process of my card transactions for my 1st card to my replacement card. I paid my balance in full and cancelled the card in XX/XX/XXXX. I asked for the membership fee to be reveresed as well as the finance charge associated with the membership fee to be reversed. The annual fee appeared on my 1st card. XXXX XXXX has an issue with linking replacement cards to their customer 's accounts. They failed to close both the original and replacement card. They failed to reverse the finance charge and membership fees from the original card when the replacement account was closed. Post closure of the replacement account late fees and and finance charges accrued on the 1st account which were eventually transferred to the replacement account. I spoke to several representatives in XXXX and XX/XX/XXXX to ensure this issue was resolved and that my credit bureau was cleared of this collection. I considered this issue closed as of XX/XX/XXXX.I contacted each credit bureau to dispute collection file. It is now XX/XX/XXXX and I received a collection notice from XXXX, XXXX XXXX XXXX for {$370.00}
Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt. 

Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}
I HAVE DISPUTED THE INCORRECT INFORMATION ON MY REPORT 3 TIMES AND EQUIFAX STILL DOES NOT FIX INACCURATE INFORMATION ON MY ACCOUNT.
on XX/XX/XXXX there was an unauthorized charge of {$320.00} to XXXX XXXX on XX/XX/XXXX I notice the fraudulent charge and filled a complaint with the credit card on XX/XX/XXXX credit card said : can find no basis to support the claim and charge the unauthorized charge to me I asked for the facts or basis but, they no answered After called them several times They still refuse resolve this claim
Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

Thank you.
Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.
Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from the CFPB.
Awhile back I believe I talked to Trans Union or one of those credit companies because I saw a huge drop in my credit score. I received my entire report over mail and then I noticed everything was in good standing. Could you please tell me why my credit score dropped? 
" 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them back.
This is my second complaint, I have not heard anything on the status of my complaint. My complaint is that I cleared up all of my negative collections on my credit reports and XXXX went up 57 points and Transunion made a mistake and dropped it down 57 points. I called them and explained to them over and over and they just tried pushing me to get credit monitoring and than charged my credit card for XXXX for something they said was free for a month. I have talked to so many people and instead of fixing their mistake they keep giving me the run around. There is noway my score went up one one report and than down on another that many points for clearing up all of my negative items. I cant seem to find a way to contact the CEO of this company or even talk to someone that can fix someones mistake. I am at a loss of what to do. I filed a complaint a week ago but have not heard a thing on what is going on with it. I am not sure what to do at this point. This is beyond ridiculous that they wont even admit their mistake and I have to pay the price for it. I have worked hard to get my credit score up and now because of their mistake I am worse off than I was before I cleared it up. Please help me with this matter.
I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX
I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
My account ending in XXXX was on a payment plan to make {$70.00} payments every XX/XX/XXXX of the month for three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was informed twice that the account can not be negative for longer then five days, ( the calls are recorded ). My account went negative on the XX/XX/XXXX {$10.00} and was closed on the XX/XX/XXXX. I called all numbers and was told it was closed in error and is out of their hands to open it and it would still be sent to the XXXX XXXX.
I was the victim of an employment scam and credit card fraud that effected XXXX of my credit cards. I was offered a job working freelance for a company named XXXX XXXX XXXX, based out of Florida. I did work for the company and then purchased materials and was reimbursed via electronic funds transfer directly to my credit card. Once the materials were delivered to the employer they reversed the transfers leaving me with over {$30000.00} in credit card balances and stole the materials I had worked on. One of the credit card companies, XXXX, approved my fraud complaint and cleared the charges. The other, CitiBank, denied my claim and is now charging me interest and pending late fees on a {$16000.00} balance. They took over a month to investigate and then decided to deny my claim so it has taken a long lasting impact on my credit and now I have even more debt racked up. I am refusing to pay any of the debt and am at a lose at what to do.