WillisBack/dataset-financial-user-claim huggingface dataset:
I had a HELOC equity line account with XXXX XXXX  XXXX, opened in XXXX. The loan was sold to XXXX XXXX with the servicing company SELENE FINANCE. I have been current on payments all the way through XXXX, at which time SELENE offered to allow deferment due to hurricane Irma and damages, loss of income I received. The payments were always around {$250.00} for the Equity LIne. I signed a deferment with Selene and the payments went to {$580.00} during the deferment period. After the deferment ended in XX/XX/XXXX I was expecting the payments to go back down. Instead Selene insists that my payments are now {$1200.00} a month. Stating that the loan was past due and reported my loan 120+ late. I have tried to work with Selene who offered me a modification. I am now receiving certified letters stating INTENT TO ACCELERATE on my loan. I do not want to lose my home. This is my primary residence. IF they take my house, my daughters and I will be XXXX.Selene Finance sent me a letter dated XX/XX/XXXX stating if I do not pay {$13000.00} by XX/XX/XXXX they will begin foreclosure proceedings.

Letter is attached.
My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.
I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!
NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST
To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp! 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. 




An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. 

The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. 

Sincerely, XXXX XXXX
I filed a joint chapter XXXX bankruptcy on XXXX XXXX, 2017 with my spouse. That bankruptcy was discharged on XXXX XXXX of 2017. My credit report with Equifax is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted Equifax and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since XXXX of this year, I have spoken to at least 8 different reps. Today ( XXXX XXXX ) after my husband viewed his report, it showed that XXXX XXXX was the vendor that was reporting this information to Equifax. I talked to XXXX with XXXX XXXX today ( XXXX XXXX ) at XXXX CT. She told me that they were the public record vendor for Equifax. She also told me that XXXX XXXX  is reporting MY bankruptcy information to Equifax, but Equifax is not obligated to report any information about my bankruptcy on my credit report. She directed me to call Equifax. So I called Equifax again today and spoke to XXXX at XXXX CT. XXXX told me it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked XXXX if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as discharged in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.
Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid  XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.
i got a bill from a debt collector co today XXXX/XXXX/2015 saying that they are working for XXXX XXXX the phone co XXXX i call XXXX and asked about this bill and the co trying to collect this bill for them.. XXXX bill was 5 years old ) AND PAYED..i was told by XXXX that they never gave the right to this in thair and the bill was very old and payed..that bill collector is portfolio recovery associates llc of XXXX va using a XXXX XXXX XXXX XXXX..this bill is NOT DUE them or XXXX it was payed it looks to me that this co is just looking to get money not due them, and now it showes up on my credit report too..what can a person do to stop this type of thing ..they are useing my credit report to get money out of pople how they dod this on bills not due ...
I disputed an account with XXXX which is listed as open and a balance and in collections this account was included and discharged in a chapter XXXX bankruptcy this account should be listed with a XXXX balance and closed because of this bankruptcy. they corrected the XXXX other accounts listed incorrectly but did not fix this XXXX now I request it to be corrected or deleted as any attempt to collect this is in violation of federal bankruptcy law and I will petition the court to seek sanctions if I need to. I have attached the creditor list and discharge paper showing they were listed in the ch XXXX
The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by TransUnion. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make TransUnion stop victimizing me. I 'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.
My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.
Nationstar needs to correct my credit report from late payments to short sale that was completed on XXXX XXXX, 2015. This is for XXXX loans what had with them.
I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a 9-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
I have had an American Express card for 11 years, with no problems up until now.

My interest rate was at 11 %, and they hiked the rate up to a usury rate of 17 %, without notifying me ( as required by law ) of the increase.

My credit is perfect, as in absolutely no derogotory items, and I have never missed a payment in my life ( across all accounts ).

When I called American Express ( over 9 times now, which I've recorded all ), I received the following information : 1 ) The reason for my rate increase was : -I have used the cash advance feature -I have used my card internationally/in XXXX 2 ) Another manager negated the above, and said that's not correct. Thanks for correcting the obvious.

She proceeded to put me on hold, as she tried checked all mailings to me. She came back on the line, and told me she would call back within the hour.

When she called back, she stated " XXXX, after reviewing all letters to you, I can confirm I don't see any correspondence notating a future rate increase. '' She subsequently sent me to another department for review. Days later they got back to me, and told me " a marketing letter was sent to you outlining the upcoming change. '' This is a complete lie, and it never happened.

They are increasing rates across the board, and then subsequently telling the consumers that complain that in accordance with the law they sent a letter detailing the upcoming rate increase.

LIE Show me the letter? I'm sure you have a digital copy, where is in my online account?

CRINIMAL
I am requesting your immediate involvement to assist in solving the problems that exist when my loan was assigned to servicer - LoanCare , LLC. I am a FIRST time home buyer in Michigan. I closed on my FHA loan in  XXXX  2017. My first payment on this mortgage was due   XXXX   XXXX  , 2017 in the amount of {$540.00}. I received a letter from   XXXX   XXXX   dated   XXXX   XXXX  , 2017 instructing me to make this payment directly to them ( see attached ). I received a letter on   XXXX   XXXX  , 2017 from LoanCare , LLC instructing me to make all further payments to LoanCare , LLC. I have adhered to both of these letters. The PROBLEM arose when I was contacted by LoanCare informing me that they are missing my   XXXX   2017 payment. I have explained to them in THREE different conversations that I was not instructed to pay my mortgage to them in  XXXX . At the present time, they reflect my account 30 days delinquent because they did not receive my   XXXX    payment. I paid the mortgage payment as instructed to   XXXX   XXXX  . Although I have provided evidence of this neither   XXXX   XXXX   nor LoanCare will correct the records and my credit is in jeopardy for erroneous information. I have been promised each time that someone will return my call, this includes escalations to management (  XXXX  between  XXXX - XXXX  ) no one is responding. This is extremely frustrating as a first time home buyer that I am the victim in this entire mismanagement of my account and no one seems to care. They ( LoanCare ) keep asking me for payments that were made according to documents received. My next payment is due   XXXX   XXXX   but I am being told I owe for   XX/XX/XXXX   by LoanCare because the payment I made to them fo r  XX/XX/XXXX  posted for  XX/XX/XXXX . I  have done everything in my power by providing proof of payments but I am getting no where.
I went into a kohls Department store XXXX XXXX, IL like I have plenty of times. The associate asked me actually she was very persistent for me to apply for a Kohl 's charge card.When I filled out the application just some most was on the keypad I did request the protection. Like I do with other credit cards. This was a short but very memorable credit account. Kohl 's credit department called me constantly even before a payment was due. I felt alone in this account because upon approval I didnt receive contact information or payment information. So, I begin to have financial problems of course I couldn't pay my Kohls account but could make some type of payment. All my inquiries for help was denied. No assistant or other payment options were offered. I ask if some late fees can be removed when I make a payment she told me 1 or 2 but my account charged 6 late charged at that point. I have credit cards currently and all offer some type of payment options even if your not in the protection plan. Then kohls credit department stopped calling me and collecting on this account. So I called and talked to a collection manager, she stated the account has been closed. So, I was puzzled of course. Asking her what can I do to pay or set arrangements. She stated nothing can be done at this point. Kohls credit department did not call me or notify me about closing my account. Actually they told me that in my account information " ( do not contact '' ) is listed. I never ask kohls credit department not to contact me. I think something is not right with this account is seem like they opened the account just to have it closed.
My credit report shows a new Sync/Care Credit account, which I did not open. I have tried to contact the phone number listed for Synchrony Bank six times. They are typically only open to receive new applications. They have transferred me to their fraud department three times. Twice I was disconnected. Today, I spoke to a representative for over 10 minutes. He then proceeded to tell me he could not find an account for me with JC Penney. I explained, for the third time during our conversation, that I was calling about a Care Credit account with Synchrony Bank. He said he would have to transfer me, and then disconnected me. 
I will be attempting to file a police report today, which I know wo n't be easy. I have setup a credit monitoring service, which is unfair that I have to pay for, to prevent crime being perpetrated against me.