WillisBack/dataset-financial-user-claim huggingface dataset:
I 've disputed the information with Transunion, XXXX, and XXXX about duplicates listed on my negative account regarding student loans. One loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be one. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
I opened a  XXXX   XXXX  in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did two credit checks on   XXXX /17  -  one  with Experian and one with   XXXX  . I was told that there would be one hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.
There was a complaint filed against a collection agency ( XXXX ). This agency continues to reinsert a collection account to my credit report. The agency was provided with supporting documentation in regards to NOT OWING monies to XXXX. The dispute yielded a remark of " account information disputed by consumer, meets FCRA requirements ''. 
Still, the recent addition has brought my credit scores lower. I am tired of having to continuously challenge this agency 's abusive practices. I would like for actions to be addressed and reprimanded according to the consumer and credit protection laws.
Capitol One charged me an annual fee for a card that doesn't have a fee. I switched cards and the new card doesn't have a fee. If I cancel my account I don't have to pay the fee. If I keep my account I have to pay a fee on an account that has no fee. I am in the middle of getting a loan and I don't want the credit ding with cancelling - otherwise I would of cancelled already. And they know this and are holding me hostage. If I have a card with no fee wave it. This is ridiculous.
I made a purchase from XXXX for {$1800.00} on Friday XX/XX/XXXX Selected to pay with my XXXX card Once selected there were 3 types of payment available to select 1 ) 5 % rebate 2 )  Special Financing ( interest free for period 6, 12 & 24 months ) if paid within period 3 ) 24 Equal monthly payments ( See Document # 1 ) The transaction was accepted and instead of being charged 1/24th on the total transaction ( XXXX ) my XXXX card was charged the entire amount of {$1800.00} putting my card {$1000.00} in the red ( See document # 2 ) On Saturday XX/XX/XXXX I called XXXX to find out what is going on and was transferred to XXXX XXXX and I was repeatedly transferred back an fourth between XXXX and XXXX XXXX. No one including managers from both XXXX & XXXX XXXX were not able to tell me the difference between option 2 & 3. This is clearly a case of deceptive business practices and deceptive financial advertising. Buyers be aware that when making a large purchase on XXXX and when you choose to use your XXXX XXXX card to pay and choose the 24 EQUAL MONTHLY PAYMENTS OPTION be prepared for your XXXX card to be charged the FULL AMOUNT of the transaction instead of the first payment of 24 payment like the option states.. XXXX XXXX is clearly attempting to deceive the consumer and try to hide it with equating both options 2 & 3 as the same!! Lastly I would like to note that all the reps I spoke to, including managers, at XXXX XXXX did not want to hear or listen to anything I or the XXXX supervisor had to say trying to get to the bottom of this issue with 3 way phone conversations we had on Saturday XX/XX/XXXX. All XXXX reps including supervisors were clueless and kept referring me back to XXXX XXXX putting me on and endless nightmare merry-go-round of finger pointing without any resolution. I spent 4-5 hours on XX/XX/XXXX & XX/XX/XXXX trying to resolve this issue with no results!!
World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. Bank issued me a XXXX XXXX XXXX XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. Chase Manhattan Bank assigned the debts to an XXXX XXXX XXXX XXXX without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX XXXX income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application XXXX to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed XXXX subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
Leaders Financial has refused to send me my title after paying my vehicle loan off back in XXXX 2016. I first had to deal with prove that you paid us which I had to fax a copy of my bank statement over because I paid the car off with my debit card. Then I was told I would have to wait 30 days after the payment was made in order to receive the title. Now today XXXX XXXX, 2016 6 weeks after I paid Leaders off they flat out refuse to send me my title. I called today and they state that they will send me paperwork that I would have to sign and send back to them and they then will need more time in order to send my title to me. Send the title now via federal express or I will see you in court. This is theft, You took my money and now you refuse to give me my title. Send it now!!
Wells Fargo is not disclosing my pay information to   XXXX   in a timely manner.   XXXX   needs to receive notice that I was paid before it allows me to withdraw funds on a current pay period. Repeatedly, this has not happened until 4 or 5 days after I received my paycheck direct deposit.
I have called Wells Fargo 3 times about closing a secured Visa card that I had with them for {$500.00} for about 2 years. 
I called in XXXX, XXXX, and XXXX. 
They refused to close this account, by their actions the account remained opened until I called in XXXX XXXX, 2016 and spoke with a Supervisor, XXXX XXXX. 
He told me that He would close the account but I needed to pay {$39.00} to balance the collateral amount to {$500.00} and that that I owed XXXX, which he took over the phone and he said your money will be back in your account immediately. 
XXXX XXXX, my checking account was debited for {$450.00}. 
Today XXXX XXXX, 2016, I called again concerning the amount that was suppoe to be credited to my checking account. I spoke with XXXX, supposing to be a Supervisor, and asked him when will my money arrive in my account. He told me another XXXX to XXXX Well, it should have been in my account by now, but Wells Fargo, refuse to close my secured card and now I have to wait another 45-60 days. This is not right. And I will be moving my accounts as soon as I can.
I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.
I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.
Equifax currently is reporting an account which is "   XXXX   '' or " Company unknown '' on my credit report as open and pays as agreed. This account belongs to "   XXXX   '' and it is included in bankruptcy and has been since  XXXX / XXXX /2013. However, the account says I am 120 days plus past due.
I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies in XX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
Filed a complaint with the BBB against Equifax for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB Equifax claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.
Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Bank of America to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry on my credit report.
CitiCard credit card closes inactive credit card accounts without advance notice, damaging consumers ' credit ratings. 

My wife and I have been a Citi AAdvantage cardholders for more than five years. Last XXXX CitiCard arbitrarily cancelled my account with no advance notice. I called immediately, and the representative cited account inactivity as the reason. I asked the representative to reactivate my account, but he insisted that I would need to apply for a new card. Worse, the new application would require pulling a credit report. This week CitiGroup did the same thing to my wife, giving the same excuse and requiring her to apply for a new card. 

CitiGroup 's arbitrary no-notice cancelation practice impairs consumer credit ratings in multiple ways : It increases credit utilization. I had earned a {$50000.00} Citi AAdvantage credit line, and my wife {$19000.00}, so the impact was significant. 
Requiring a new card instead of reactivating the prior account reduces the average length of time cardholder accounts have been open. 
Pulling a credit report further depresses a consumer 's credit rating. 

Over five decades as credit card holders, my wife and I have never missed a payment. We have earned stellar XXXX credit scores. We use auto-pay, so CitiCard incurs no statement printing or mailing costs for our accounts. What does CitiCard gain by terminating and alienating us? 

CitiCard has our e-mail address, snail-mail address and phone number. Why not contact us before canceling our cards instead of afterward?
I moved out of Oklahoma unplanned before my first payment was due. When I called to see If I was able to mail in my first payment I was told that I owed four months of payment upfront. When I asked them about this the company said that I had to pay four months. I opened the loan in XXXX, how do I owe four months? They also started calling all of my references trying to find out personal information on myself, including my last employer. I mean harassing phone calls. They are fraudulently trying to get more money out of me than what I owe.
Experian would not let me send them documents to support my dispute with them, they report XXXX XXXX and XXXX on my Credit Report which XXXX were under consent report issued by the FTC and CFPB and would not remove these phony debts even thought they were sent to them by mail by my husband
i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

XXXX XXXX XXXX
In XXXX XXXX, I entered into the XXXX XXXX XXXX XXXX, so that they could act on my behalf while resolving all my debts. Since then, I have continuously paid the agreed payment plan totals to each collection agency. As of XXXX XXXX, I have completed the program because I successfully paid off my accounts ( bringing all balances to {$0.00} ). 
I am a single mother to a XXXX child and have worked hard to correct my credit and establish responsibility. This is so that I may provide a stable life for my child. However, I reviewed my credit score and was unhappy with it. I feel that reporting agencies failed to update my information correctly. Also, it shows my accounts as " charged of-unpaid '' which is negatively impacting me. All my closed/open accounts had had monthly payment arrangements that I honored. Please help me.
Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!
I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again?
I have been lied to, misguided, and misled since Navient became my loan provider. First of all I was told my loans were direct loans and would qualify for Public Loan forgiveness which they are not. I was told that I was close to making 120 on-time payments. Then I was told I make to much money and that I would satisfy the balance before the 10 years.

Then when I was told they were wrong about that and they consolidated my loans in to what was then supposed to a direct loan and my payment were raised and supposedly based on my income. ALL which are lies. All which will cost me 1000 's of dollars. I have been paying these school loans for over 10 years. I could not be  more upset at a company for XXXX with my livelihood.
After sending information to verify myself with my disputes XX/XX/2018, XXXX, Experian, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?