WillisBack/dataset-financial-user-claim huggingface dataset:
According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.
I graduated from graduate school in XX/XX/XXXX. At that time I consolidated my loans through XXXX XXXX. I had approximately XXXX in loans. Ive been paying since I graduated with the exception of when I went back to school for a XXXX XXXX XXXX XXXX and when I had to get a forebearance as a result of a divorce/loss of income. XXXX XXXX   transferred my loans to Navient and their payments were beyond what I could afford. Ive worked in a low income school district since XX/XX/XXXX so I decided to apply for the Public Loan Service Forgiveness program. I went with a company called XXXX XXXX XXXX XXXX XXXX XXXX that is now called XXXX XXXX XXXX. They claim to be assisting me with Public Service Loan Forgiveness through my payments to XXXX XXXX XXXX. It is now XX/XX/XXXX and my balance is XXXX? Im not a mathematician nor an accountant but I believe something is drastically wrong here and deserving attention.
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
XXXX received a debt collection from Kings Credit Services from XXXX XXXX XXXX, Account Number XXXX stating that I owe them {$2000.00} dollars to a vehicle that I had taken off my name and no longer owned the vehicle and harassing me every other day that they will put that towards my credit if I do not pay the balanced owed. They threatened me and told me that last 4 digits of my social security numbers and they will go ahead and add it towards collection if I do not show them any proof before the XXXX od XXXX, XXXX that the vehicle is and was no longer under my name since they had picked it up, I went to the DMV today XXXX/XXXX/XXXX and explained them my situation and they gave me this information on who to contact, please help me I do not want my credit ruined or for them to keep harassing me for a vehicle that was no longer in my name.
Payment is made on time each and every month and twice in two consecutive months and bank continues to charge me late fees each and every month. They will not reverse charges even though it has been paid and in good standing since opening the account.I believe they are purposely doing this to charge me an interest rate. The terms of the healthiplan was no interest.
I have been forced to call Capital One Bank concerning my Capital One Quicksilver card on eight ( 8 ) different occasions due to the fact that their computer system will not allow me access to my account. I am unable to retrieve my balance, pay my bill or otherwise access my account. I have been subjected to a multitude of representatives, all of whom gave me a different story as to why I could not access my account. Over a period of eighteen days, these eight calls have averaged two ( 2 ) hours per call, and on every call I had to start at ground zero, as my previous calls were not properly documented. 
On my last call, I spent 2 hours and 45 minutes being given conflicting stories as to why Capital One could n't straighten out the problem. In order of the calls, on X/XX/18 I spoke to : 1. XXXX ID # XXXX, 2,  XXXX ID # XXXX, XXXX ID # XXXX. Finally, I became so frustrated with the completely different stories I was being told that I threatened to bring the matter to the attention of this agency, the FDIC, my lawyers and the press, at which point they refused to help me further, and shuttled me to yet another department which refused to speak to me if the call was recorded for accuracy. As of the date of this complaint, NOTHING has been resolved. I have no recourse but to elevate the matter.
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I have spoken to both American Express ( American Express Blue Preferred Card ), and XXXX XXXX XXXX XXXX. I processed a payment on XX/XX/18 through the AmEx mobile app. This payment should have been deducted from a XXXX XXXX XXXXXXXX XXXX XXXX XXXX account, however it was attempted to be deducted from a XXXX XXXX XXXX XXXX account. That account didn't have sufficient funds for the {$1500.00} payment, and returned with NSF charge of {$35.00}. American Express then attempted two ( 2 ) more times to deduct funds from this account WITHOUT my consent. Leading to two ( 2 ) additional NSF charges from XXXX XXXX. This led to a total of {$100.00} of NSF fees for one attempted payment. I attempted to contact XXXX XXXX about this, and they refused to refund me any charges, and after much complaint, they agreed to refund a single {$35.00} NSF charge. They told me that they would require a letter from American Express on letterhead from a supervisor or manager. I called American Express and spent 81 minutes ( 1 hour and 21 minutes! ) on the phone with them explaining my problem and attempting to get help, I was transferred and spoke to either seven ( 7 ) or eight ( 8 ) different representatives. Each time I was transferred, It became more difficult for them to hear me. I find this to be either a common issue when dealing with these institutions and the phones they use. This tactic essentially allowed them to disconnect my call as they could " no longer hear me '' I stated very clearly that a ) I needed a letter sent to XXXX XXXX XXXX XXXX, stating that I did not authorize these multiple charges, that it must be on letterhead, and that it must be signed by a manager or supervisor and b ) it could be faxed to XXXX at ( XXXX ) XXXX. One agent at AmEx was even kind enough to go onto a three-way call with XXXX to explain the situation, and was told that there is nothing they can do to help without the form. 
American Express told me it was standard procedure to make multiple attempts to charge someone for an attempted payment. I explained clearly that I did NOT AUTHORIZE them to charge my account multiple times, and that if notified, I could have informed them they were charging the incorrect account, in fact, I turned around and made the charge on XX/XX/18 a second time, because it never appeared as deducted from my XXXX account and never showed as payed on the AmEx website. 
Meanwhile XXXX XXXX is making {$100.00} off of NSF fees that I never authorized in the first place. I believe that these tactics by both institutions, to make things so difficult on consumers, by a ) requiring forms that no one seems to be able to produce and b ) transferring people so deep into a companies organization, creating massive amounts of time lost and making the call extremely difficult, by making it hard to hear, AND by making a consumer repeat there complaint 5+ times to various people along the way amounts to some form of organized theft of personal funds to increase profits.
I have been sending on time payments to SLS monthly since XXXX 2014. I have an issue with their record keeping as they still show that my next payment due isstill owed. I have paid {$2000.00} per month up until last month and rather than applying thefunds, just suspend the additional money. I have had to call them everymonth to request that they apply the funds to the principle. It is extremely difficult to follow their record keeping to the point that I am not sure that my balance isactually correct. Is there any way I can request an audit? I am veryfrustrated with this company.
I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!
I had an equity line of credit with Banco Popular. In XX/XX/2011 I was granted a discharge of debt the equity line of credit was not part of the BK. For the past 9 months I have been working on the credit so that I could re finance the house. Banco Popular had to be paid off in order for me to have any hope of getting a loan. Over the course of several months I was able to negotiate a payoff and a promissory note. I gave them $ XXXX and agreed to a no interest payback for a fixed amount over 36 months. The balance after making XXXX more payments was {$10000.00}. My refinance lender told me that we could go ahead with the refinance, however he could not get BP to send a payoff amount. After several weeks XXXX sent a letter asking for a few XXXX dollars more that I agreed to pay in the promissory note. When I challenged them on it, they revised the amount of the payoff but told me that they were going to issue a XXXX for the difference. During my escrow period I received a statement from XXXX reflecting my payments and the amount due almost $ XXXX dollars more than the amount we agreed to in the note.
I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the 4 late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation-XXXX- ACCT #
I need to bring to attention a problem with a credit card at Chase. They offered a interest free promotional period that ended on XX/XX/XXXX. Their tactic was deceptive and I was mis informed about what amount exactly was due. They have 2 amounts due on the statement.

The interest free promotional period ended on XX/XX/XXXX however my billing cycle ended on XX/XX/XXXX. I even CALLED into Chase to verify exactly how much I needed to pay to avoid an interest fee and they said that if I paid off the balance I would be fine.

My balance owed by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX. I called Chase and spoke to XXXX XXXX to remove the finance charge because no where on the statements did it say that I had to pay anything other than XXXX. 

There is a tiny tiny amount on my statement at the VERY END and bottom in very tiny print that says I owe a DIFFERENT amount by XX/XX/XXXX. This practice of having 2 amounts that are due at different times in different locations on the statement in small print at the bottom is deceptive. I even called to verify because it was so confusing. This information should have been at the top of the statement in bold print but the reason why it is n't is because it is conflicting and says two different amounts!
The complaint that I am putting is very frustrating, time consuming and I have been treated like I am a worthless person throughout this nightmare. I just want to get that out there before I start. So with that said in XXXX of XXXX I contacted Citi bank which I have a MasterCard with and I have used ride service XXXX several times because I have an XXXX XXXX  and unable to get a license but still need to go to places for work or personal and I even was in XXXX XXXX because one of my first times using the service I got into a car accident which was the entire fault of the driver. Also just about every ride I have had a driver that's been on drugs I know because I could smell it. driving unsafe such as for example stopping in middle of highway to turn wrong way to take the previous exit since they missed it and I told them not to but they don't care they also have their own friends in the car which is an uncomfortable feeling and was scared and not to mention they would take longer routes meaning I got charged more and I was late for several events which I had to pay for. Those are some examples I have plenty more but I think these where I am coming from. So on XXXX XXXX I explained this too a representative of Citi bank after contacting the merchant and had no resolution. The bank representative said those charges would be refunded back to me and not to worry. Then I had given it a couple months and no money back and unfortunately I got XXXX   in the hospital and then was taking care of my XXXX and XXXX XXXX XXXX nieces then had a promotion farther from my house but took it and got a XXXX XXXX which I need XXXX for now. So after all these life changing moments I called Citi bank once again in XXXX and asked for the CEO I explained the situation and then spoke with a woman named XXXX who said she would call me back the next day but I received no call for two I had to leave two voicemails and four days after I received a phone call at the time that I told her was too late for me and later next day when I called it just went to her voice mail then on Saturday XX/XX/XXXX XXXX called me back and said she will work on this and call me the latest on Tuesday the XXXX which was a while away but assured me she would contact the merchant and get me the money back and I should not have this happen to me and should have been resolved last year. So on Tuesday the XXXX she calls me and says that she can't help me I ask why and she says that she saw the policy and could not confirm that they do or do not have a refund policy. I asked if she called the merchant she said no and will not I explained she had over a week and a half to work on this and did not do her job. She said she'll contact them and within 2 mins called me but it went to voicemail and since then has not called back. I know that she did not get my refunds and/or contact them and lied to me. I want my money back which I am owed and have been promised twice. I want the CEO not a secretary to contact me and my money back ASAP I am done waiting. Please get back to me ASAP. Thank you
On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX  XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.
EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.
-XX/XX/XXXX Divorce : Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation XX/XX/XXXX -XX/XX/XXXX : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' ( XX/XX/XXXX ) owed is {$4100.00} -XX/XX/XXXX : Ex-spouse and new husband file bankruptcy and include " Account '' on it -XX/XX/XXXX : I find out about account past due balance and bankruptcy.  Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with XXXX, Experian, and XXXX  regarding the " Account ''. XXXX has deleted it from my report. Provided additional information and details in writing and online to XXXX & Experian, with no result of deletion from my Credit Report.
I have been trying to work with J. P. Morgan Chase to turn my house back over to them. But I feel that the company would rather force me into a foreclosure. I have cooperated with the bank as much as possible and submitted all the necessary paperwork that they requested, even more times than I feel was necessary. But then I get a letter back from them stating that I'm not eligible for the deed in lieu of foreclosure or any other options that may involve turning the house over to them because the property is vacant. I had informed Chase bank several times that the property is vacant and they led me on through this process rather than just telling me that I was ineligible because the property is vacant. This is why I feel they're trying to force me into a foreclosure which would do more damage to my credit. Also, I feel that there are other options for us to resolve this issue without more harm to my credit that they may not be disclosing. Enclosed is the letter of denial from Chase and a letter from their attorney regarding foreclosure.
I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. 
In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. 
We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.