WillisBack/dataset-financial-user-claim huggingface dataset:
I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.
Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.
there is a company who pulled my credit without my permission called XXXX. However Experien refuses to remove it.
Calling via robocall, which I never approved or authorized and calling during hours they aren't allowed to call.
I opened an account with Lowe 's and purchased some kitchen appliances on XX/XX/XXXX ... totaling {$3000.00}. 
I set up automatic monthly payments with my bank, after a few months I started getting insufficient funds notifications and found that XXXX XXXX was trying to take more than the agreed upon payment, so I closed the auto pay and started paying with cashier 's checks. 
Then they started charging late fees and stating I owed more than what we agreed on. XX/XX/XXXX they said I missed a payment, which was not true, so I ended up making two payments in XXXX XXXX.Every month the payment was different so I started paying {$100.00} every month, XXXX and XX/XX/XXXX, they put two missed payments on my credit reports which lowered my credit scores tremendously. I did not realize this until I decided to refinance my home, to my dismay I was unable to do so. 
This month..XXXX XXXX, I sent them {$390.00} some dollars so they would stop reporting missed payment on my credit reports. 
I made copies of my receipts and sent them to all three bureaus to no avail. 
I also had a Care Credit card with XXXX XXXX for {$4500.00}, only to find the lowered it to {$2800.00} credit limit which also lowered my credit scores ... I have never missed a payment, nor ever been late, have also paid this card off previously. 
I've taken the time of almost ten years to work on my credit, I will not let this bank do this to my credit, I'm going to make sure they don't get away this, will do whatever I need to take care of this problem. 
Meanwhile I went online to look at XXXX XXXX XXXX customer reviews and I was shocked to find they have done the same thing to so many other people, there are more than 5,000 reviews having the same problem I'm having..How can something like this happen and nothing is done about it. 
I will not let this go. 
I have called Synchrony and tried to straighten this problem to no avail, tired of talking to them, they keep coming up with different things of I should say lies. 
I am a XXXX year old XXXX veteran and I should not have to put up with this, I pay all of my bills on time, never late, never missed a payment..this is the only black mark on my credit and I'm not going to let this go. 

Thank you
I have a checking account at US Bank in XXXX, Oregon. I live only on Social Security. I am XXXX years old and I forgot to record an automatic transaction from my checking account. I was then notified that I was overdrawn. I planned to take care of it as soon as possible but the bank accumulated late fees daily for 16 days and charged me {$600.00}. They new it would n't be covered until my next Social security was deposited but still tacked on unbelievable fees.. I explained the situation at my local bank and the manager would n't relieve these charges.
I have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.
Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. 

When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. 

XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. 

XXXX never received a check. 

One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. 

Dollar indicated they wo n't endorse the check as they do n't take checks. 

I 've notified One Main and wo n't send me cash to pay off XXXX. 
mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). 

I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.
I have had this CapitalOne credit card for nearly two years. I have no late payments. It is a secured card. I have asked multiple times when I will get a credit line increase for this card. The credit limit is {$500.00} and I have to pay this card down multiple times a week when I travel for work. Sometimes I become stranded at airports because I can't rent a car while a payment is pending. CapitalOne has told me over and over and over and over and over and over and over that there is a random system that will grant me a credit line increase when I meet the criteria. I demanded CapitalOne tell me who administers this 'random system ' and then they told me that it is done by under writers. I demanded to know where the under writers are, and CapitalOne says they can not reach them because they are in another building. I want the credit line on this card increased to {$10000.00} so that I can use it for work. I want an explanation in detail why I have been told different versions of how this card is considered for limit increase.
I contracted with Performance Settlement, a Debt Relief Services company, to negotiate with my credit card companies and personal loan companies to settle my accounts for lower amounts. However, over the span of 2+ years, I paid them over {$7000.00} and Performance Settlement has not settled any of my account. They send me letters telling me the accounts were settled, however, when I contacted the companies all 4 said they had not received the payments as Performance Settlement informed me. In one case, PS debited my account {$640.00}. and paid into someone's account. All documentation is attached. Initially, I attempted to resolved the issue directly with PS. All I received was 'stonewalling ''. Then on XX/XX/XXXX, I contacted the XXXX. PS gave a feeble, inaccurate reply, which I countered every point. Although, PS is an active member of the XXXX and is required to reply to consumer complaints, the XXXX   has not been able to get another reply from Performance Settlement. The XXXX   referred me to you for assistance. Their website offers a 'money back guarantee ' if one is not happy with their services. PS should stop operating a sham and return my money. {$7000.00} is a lot of money to waste if someone is trying to get out of debt like myself.
My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. 

Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. 

I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. 

Amerinat claims they sent me a letter showing me the calculations however I never got it.
My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.
The issue is as follows : Wells Fargo arbitrarily increased my escrow amount by {$220.00} per month starting in XX/XX/XXXX. There was no reason or justification for the increase monthly amount. My escrow balance stood at {$16000.00} as per my XX/XX/XXXX statement. When I applied for my mortgage with Wells Fargo I was told in order to obtain the rate quoted I need to set up a Wells Fargo Checking account to which I agreed. I bank with XXXX and set up an automatic transfer each month to my Wells Fargo ( WF ) checking account and Wells Fargo set up an automatic transfer from my WF checking account to my WF Mortgage account. This has been in effect since the mortgage started in XX/XX/XXXX. I made repeated calls to WF asking why my escrow was increasing and not once received any justification. I know my insurance has gone down by {$100.00} per annum and my taxes remain unchanged. In XX/XX/XXXX WF stopped the automatic transfer from my WF checking account to my WF mortgage account. There was no communication and no justification to stop the transfer. My automatic payments from XXXX to my WF checking account continued. The funds in my WF checking account continued to accrue. At this time WF advised I was in default of my mortgage. I protested and advised they created the problem so they should fix. Numerous telephone calls ensued and no one from WF was ever empowered to fix the problem. They maintained throughout that my monthly payment had increased. No funds were transferred from my WF Checking account to my WF mortgage account after XX/XX/XXXX. WF paid my insurance in XX/XX/XXXX and paid my City taxes in XX/XX/XXXX. After which the balance of my escrow was a positive balance of {$520.00} despite no further funds having been received since XX/XX/XXXX. In mid XXXX on a sunday afternoon, my wife and I were served foreclosure notices. At this time I called Wells Fargo up and agreed to pay the necessary funds to make my mortgage account current. WF acknowledged that there were sufficient funds in my escrow to pay the ins and taxes and there was no reason for the increased monthly escrow. In order to make my mortgage current I have to wire the funds from my WF checking account to another WF account. WF was unable to transfer the funds sitting in my account. As a result of the situation brought on by WF I have incurred a bad credit rating and late charges/foreclosure fees which are not justified. I believe WF have at best been negligent in the handling of my mortgage account and perhaps fraudulent in their attempt to extract additional funds from me without any justification that enables them to sit on my excess funds without paying me any interest etc. The bully tactics of pushing me into foreclosure and the negative ramifications are something I am unable to fight as a consumer. WF was never able to address my concerns and have never made themselves available to address the situation.
Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. 

I checked on a site they set up and both my wife and I are shown as being victims. 

I have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. 

To top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. 

They offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. 

Thank you!
I have never had a XXXX account or any such entertainment provider. This appeared on my credit report.
My family and I were victims of identity theft in XX/XX/XXXX. Someone filed a fake tax return utilizing my wife 's and my social security numbers. I then added my son to my Equifax credit monitoring account and my wife opened a separate credit monitoring account with my daughter with another credit monitoring service. In XXXX XXXX, I received XXXX credit monitoring alerts for my XXXX-year old son. When I went into my Equifax account to find out what the Alerts meant. Equifax denied me access. They requested additional information from me proving that I am who I am and that I am the father of my son, this despite my having had an account with Equifax for over ten years. After more than 30 telephone calls and 15 to 20 emails, they continue to prevent me from finding out what is behind the alerts and if someone is illegally using my son 's identity. They seem to be completely incompetent. At one time, they told me that my son was XXXX years old so I could not have access to his credit alerts. My son was born in XX/XX/XXXX, He is XXXX years old. Then they told me on numerous occasions that they did not receive the documentation they requested. I then sent them copies of the XXXX Postal Service tracking receipt. They then investigated the matter for three weeks and then said that the problem is that my son is " almost '' XXXX and so they can not provide me with his alert information. I then tried to add him as an adult to my account and was again denied because he is not XXXX years old. I then contacted Equifax again, and they told me that I have to open his account after he becomes XXXX in XX/XX/XXXX. I then asked Equifax again to provide me access to his credit monitoring alerts. Again, they denied me access to this vital information. I am trying to protect my son 's identity but Equifax is denying me the ability to protect my son 's identity. There must be something illegal with this. How could they prevent a parent from protecting their own child?!?! PLEASE HELP ME PROTECT MY SON, PLEASE. All I want to do is to protect my son 's identity. I have no way of knowing if someone is doing something illegal with my son 's identity. Please help me get my son 's credit monitoring alerts from Equifax, please. There must be something illegal with what Equifax is doing by preventing me from protecting my son. Please help me protect my son, please.
On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.
My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.
This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.
This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX XXXX, and Experian credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported to XXXX that the Date Of First Delinquency is XX/XX/XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and Experian  to reconcile my credit file as to account number XXXX to be consistent with that of XXXX 
3. XXXX XXXX XXXX sold account number XXXX to XXXX XXXX as of XX/XX/XXXX which clearly state the intent of XXXX XXXX XXXX and its expressed date of first delinquency as " XX/XX/XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the DOFD is ( XX/XX/XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
I reported numerous charges/accounts and inquiries to the FTC. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and TransUnion. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX XXXX XXXX
Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. 

Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.