WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a secured credit card with Citibank in, I believe XX/XX/XXXX. It was easy, it took only a few minutes to transfer the money to the company. The agreement was that after 18 months, the money would be refunded to me without interest. In XX/XX/XXXX, after having numerous problems with being able to download statements, make payments online, I inquired about cancelling the card. The customer service was terrible - I was always being given differing information. Around XX/XX/XXXX I received a letter stating that because I dad a late payment on my account, they would not refund my money for another 18months minimum. When I asked to again cancel the account, I was told that I would be charged a fee. I called in to discuss the two late payments one 2 days and one 5 ; as with all off y other account I believed that a late account was reported at 30 says and I explained that I had asked questions online about the statements not being able to be viewed in their entirely, the inline count, not accepting payments and for a refund of late fees. I have never had such a negative response with my other unsecured accounts. If on occasion, I am a day or two late, the fees are reversed. In around XX/XX/XXXX, I filed a claim with the BBB regarding this company 's practices. I was called by someone from he company, higher up and was told that they could refund my deposit without a fee.
I closed my account XX/XX/XXXXof this year and was told that it would take 21 days one time and then 30 days the next to refund my deposit. I was also told that I was being charged late fees because a payment on the account was not made and interest fees will continue to progress.
I once again tried to go online and was unable to view or manage my account. I have been receiving collection calls daily and after the first call took 45 minutes, I have refused to speak with them again.
If they are doing this to me, they are doing it to other people.
1 - They are holding deposit accounts for credit cards gaining interest on the deposits and on the excessive fees and interest they charge on these accounts.
2 - They are customer service oriented, I have never been treated well on any call. In fact, on the last call, I asked the manager to give me the start date of my account with them and she refused - she said it was against policy to give me that information!
3 - Their online presence/technical issues are so bad it prevents someone from making payments or getting responses answered via technology - if you have a problem/complaint they will return your call but if you miss it you go into a rotation system. There is no way to return that persons call.
4 - I should be able to close my account and immediately have that deposit applied to my account : they are continuing to charge me high interest rates which is making my account increase over the balance amount. This is really stealing, quadruple dipping and again, there are many other people who have a need to re-buld their credit without as many resources as I do : there should be. class action suit.
XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter
I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX  and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX  from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies. 

thank you XXXX XXXX
On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.
XX/XX/2017 called in several times to speak with someone to find the total amount due. No answer. On XX/XX/2017 called again to make arrangements and they failed to take any arrangements except full payment. afterwards no response from collection company.
XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
On two separate occasions, a person impersonating a process server claimed and left notes on the door to a private residence " that a lawsuit had been filed against me to collect a debt. '' I checked with the County Clerk, and no such lawsuit has been filed. The number left on my door -- using hand-written, error-filled sticky notes -- is for a non-local number though claiming to be from the " [ Local ] County Court 'deleving ' [ sic ]. '' The alleged plaintiff is Portfolio Recovery Associates. The alleged number to call scrawled on the sticky notes left at my residence is for a private number in a different state and is not affiliated with any corporate entity or process-server company. I have contacted attorneys in addition to the County Clerk to verify that no such legal proceeding has been filed against me.
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.
In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. 

I attended XXXX XXXX in XXXX, GA from XXXX
XXXX  continues to report a balance for assurance even after Ive shown documentation of a XXXX balance
Credit Protection is reporting a collection account to XXXX and XXXX in the amount of {$170.00} this account is nor mine. I have been disputing this account for a long time XXXX   delete the account from my credit report. I need them to remove/delete this account from my credit report.
Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?
From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.
My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number XXXX
XXXX XXXX XXXX XXXX./XXXX CREDIT CARD XXXX BALANCE {$1400.00} this was disputed with creditor as Fraud months ago and as a result the account was removed from all my credit reporting agencies as a fraud account and was advised to cease and desist all collections. And now Lyons, Doughty & veldhuis is attempting to collect and sending me collection notice on a previous disputed Fraud account opened thru XXXXXXXX XXXX. This is in violation of my Consumer Protection for FDCPA and Advise this Collection Agency to Cease & Desist all Collections on this Fraud Debt.
XXXX credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from Macy 's to American Express.
Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.
Please see complaint XXXX. The company 's response is erroneous in a few ways : 1. They never address my concern which was repeated calls ( 3x in one day ) which violate the FCRA. Please address this concern immediately. Violations of the FCRA result in fines payable. 

2. This debt is not mine. Please correct your records. There is no history of this on my credit report ; you are contacting the incorrect person. I apologize for your poor recordkeeping. Stop. Calling. Me.
Hello : Over 30 days ago I disputed the charge of XXXX placed on my credit report by this agency. They falsified reporting of my debt. They re-aged my debt which is illegal. They reported it to my credit report as if it was a new debt. The original date of delinquency is over 7 years old. Please remove this debt from my report as you have reported this incorrectly and also have not responded to my dispute request in 30 days. 
As you can imagine I will have no choice but to obtain a lawyer who can sort this out if this is not resolved. thanks very much for your time. 

FAIRWAY CAPITAL RECOVERY # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. 

I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. 

This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.
The data reported to the Credit Bureaus ( XXXX, Transunion and XXXX ) in regards to a late payment to XXXX XXXX account ending in XXXX was incorrect and was due to an error by XXXX. 

After investigation by XXXX, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to XXXX to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by XXXX. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with XXXX. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that XXXX told them the data they hod originally submitted was correct. So they did not fix my credit score.
Franklin American Mortgage is serving my 30 year fixed loan. Property was new construction so escrow shortage for taxes was expected. Paid for escrow shortage on XXXX/XXXX/XXXX ( total of {$3500.00} ). Received escrow evaluation in XXXX of XXXX. Was informed that funds were not applied to my account. Faxed confirmation that funds were sent on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX lender has not applied funds to my account and mortgage payment shows as much higher amount. First American has never called to update me and every phone call turns into 30 minutes and having to start the conversation from the beginning. I 've requested to talk to a manager but I simply get placed on hold until I hang up.
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. My loan was provided by Santander USA the payment was for XXXX interest rate of 23.6. The original amount of the loan was just under {$19000.00} which included the required warranty and GAP insurance. 

I learned that the maximum interest rate allow in Virginia is 15 % for loans with a principal balance over {$1400.00}. I have made roughly 40 payments totaling {$19000.00} give or take and my payoff is over {$20000.00}. I was able to pull a report which showed me that every payment aside of {$500.00} to {$600.00} went to interest. 

VA law stipulates that payments are to be substantially equal between interest and principal it also states that 60 months is the allowable time frame for loans and mine is for 81. 

Ive paid half of my loan by making 40 payments yet nothing has gone to the principal. I also learned that they started charging me late fees even before my first payment was do and continued adding the late fees. 

On XX/XX/XXXX I contacted Santander and let them know that I was unable to afford the loan and I was voluntarily surrendering the vehicle on the same day I turned in the vehicle tags and canceled insurance. The vehicle was then picked up around XXXX XXXX  on XX/XX/XXXX.  On XX/XX/XXXX I received a phone call looking to receive XX/XX/XXXX payment. As of XX/XX/XXXX I had my account up to date. I didnt have a past due balance aside of all the fees they kept tacking on which I was ensured I would not incur fees if I paid it on the back end. 

On XX/XX/XXXX I called and requested all the information regarding my account to include loan agreement, history, fees, payments and notes associated with my account. I also verified with the agent that my interest rate is 23.6 % well over the legal limit.
XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.