WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve
I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.
I have been a long-time customer of Chase for 8 years plus. Perfect credit and never missed a payment on anything in my life. I received a notice that Chase is raising my interest rate on my Chase Freedom Card from 14.24 % to 16.99 % APR because my rate was lower than the current lowest offerings? So they are raising my rate just because they want to raise my rate not because of any real necessity. I'm being punished for having excellent credit, never missing a payment on anything in my life, and maintaining an account with Chase for 8 years plus. This was not a standard APR rate increase, it was an intentional rate hike of over 2 % just because Chase wants to squeeze as much money as they can out of their existing customers regardless. I called Chase to ask what the specific criteria was used for the rate increase on a customer that has never missed a payment and has been a customer for 8 years plus. Chase customer rep couldn't answer the question and gave me the run around. Why should anyone bank with a bank that punishes longtime customers just because they can get away with it?
There are XXXX accounts listed on both XXXX and Transunion with the wrong information. Both of these accounts have been sold to collections agencies. The first account is XXXX XXXX XXXX that has been sold to XXXX XXXX XXXX. I have called three times, each time on hold for over 30 minutes and no one answers the phone. The number for this collection agency is XXXX. The information on my credit report is incorrect. This account is from 2013 and the balance was not {$680.00}. The credit card only had a maximum of {$200.00}. The second account is for XXXX XXXX. This account was also from 2013 and was less than {$300.00} now it is owned by a collection agency who isnt even listed on my credit report. When i called XXXX XXXX about it, they said it is no longer in their office and has been sold.
The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.
As a cosigner for my children the Credit reporting agencies have or keep reporting late payments when my son ( XXXX ) has reached agreement through Chapter XXXX Bankruptcy and my obligation as a Cosigner has been removed from these private loans through the fifth District court in Minnesota through a Stipulation of dismissal without Prejudice to the XXXX XXXX XXXX XXXX XXXX a XXXX. Another was filed in California since my son lives there.However, I have been unable to effectively contact the credit reporting agencies as they just are not interested. Please keep in mind that I 'm a XXXX permanately XXXX Veteran .My credit scores indicate I have missed payments relative to my sons school loans when ( in fact ) Navient is still posting and they do n't realize I do n't miss payments period on anything..the record speaks for itself!!!
I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}
To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
I attempted to pay my credit card balance ( {$720.00} ) using the Chase XXXX app on Friday, XX/XX/XXXX. The first time I did so, the payment failed and the app told me to try again. I waited about 10 minutes, made the payment again, and it went through fine. However, I now have XXXX account transfers for {$720.00} out of my checking account. The payment has only been credited to my credit card account once, but I 'm out an extra {$720.00} ( I 've paid twice ) on my checking account. The first failed payment was still taken out of my checking account. 

I 've called Chase twice so far, and all they 've told me to do is wait until the " pending payment '' is rejected and credited back to my checking account. Apparently, the first failed payment was rejected and needs time to process. I was told to wait until XX/XX/XXXX for it to be returned to me. However, the payment is not pending from my checking account, it was already debited.
Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.
I have a freeze on all of my credit reports. A company XXXX XXXX XXXX pulled my credit report by saying it is was Fraud activity on my account. Per I do have an account with this company and this is not the first time they tried to pulled my report. So in order to excess my report they state FRAUD and when I call the company to see what was the FRAUD they refuse to take my call. I have been hung up on 3 TIMES. I need to inquired deleted. Per I have not done anything but try to keep these companies from pulling my report without my knowledge. 

Thank you XXXX XXXX
I have had a Fraud alert placed on my credit profile, for unauthorized hard inquires. During that another attempt was made on my credit. I have since reached out to the furnisher 's of the hard inquiries and have included the documents.
Collection Bureau of the Hudson Valley INC # XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX XX/XX/2016 balance : {$780.00} XXXX XXXX XXXX This is not me! I was not in an ambulance.
On XXXX XXXX, I contacted Equifax due to inaccurate information being reported on my credit report. An investigation was done and the results are attached. Well while over looking the results for XXXX XXXX # XXXX, the results of the investigation states that that this account is currently reporting included in bankruptcy, but when you look at the account it does not reflect the information as confirmed by the documents sent by Equifax that would be accurate as this was included in bankrauptcy. 
XXXX formerly known as XXXX XXXX account # XXXX is reporting the same error as listed on the information listed above. 
on the XXXX account # XXXX and and XXXX account # XXXX listed on this same conformation report attached in which the 30 day investigation has concluded. ... you will see that they are showing that both account are still disputed by consumer and is under reinvestigation. the XXXX accounts are reporting correctly as never late and paid off. This is correct and I have do not dispute this information nor have I asked for another investigation. 

I have placed several calls to Equifax but no one is willing to correct the issues.
In XX/XX/XXXX, my husband and I refinanced our mortgage loan taking some of the equity to repay college loans. One of them was a XXXX XXXX loan for my daughter, XXXX. We instructed the bank and the mortgage lending company, XXXX XXXX, to send {$19000.00} to XXXX XXXX to be applied to the principal of my loan. This was my agreement with XXXX XXXX, along with instructions that I continue with monthly payments once the funds were applied and new monthly amounts were determined. I did not receive further payment information from XXXX XXXX even after a phone call inquiry. Sometime after the payment was made, XXXX XXXX and Navient separated. My loan was apparently assumed by Navient without my knowledge. I have not moved in over 25 years, so mail should not have been an issue, nor phone numbers. Navient apparently considered the payment as " payments toward the future '' and did not recalculate monthly payments. This step was to their advantage as they continued to add interest charges to the loan amount. This is most disturbing as I have been informed they have tacked almost {$7000.00} onto my loan. Why would I have made a bulk payment of over {$19000.00} only to incur an additions {$7000.00} in interest? Since XX/XX/XXXX I have been receiving nearly daily phone calls about late payments to a company I knew nothing about. I never received any paperwork from the company, and therefore, knew nothing about who they were or what loan I had with them. It took multiple phone calls to get accurate information and weeks to get ANY paperwork from Navient. Even then, all I received was a copy of my loan origination papers NOT current loan amounts or payment amounts. I last spoke to a representative with Navient on XX/XX/XXXX with no satisfaction to my inquiry - only being told this is the way it is.
XXXX XXXX XXXX obtained an illegal garnishment on my wages and bank account. When I call I was told no accout existed and to call back on Monday. When I goto their website it says a debt is vailid for over {$6800.00}. I was never made aware of this debt and was not served with anything. I am a single mom, head of household and sole provider for my XXXX old XXXX daughter, my XXXX yr old XXXX son and my XXXX ur old mom with XXXX XXXX. I barely make min wage. The debt information provided to me was from XX/XX/2005. I did have the same company garnish my wages in XX/XX/2005 but was taken away when i proved the debt was not mine and I didnt make enough for them to garnish. This time they took my daughters child support, my rent and my paycheck ... I CANT AFFORD TO PAY A DEBT THAT IS NOT MINE!!! PLEASE HELP ME!!! They took the money last night at XXXX XXXX when there was nobody to dispute to and my bank said due to legal issues they could not provied me I go.., PLEASE HELP ME!!
This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE
I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile.
My name is XXXX XXXX XXXX, XXXX last XXXX of social. I apply for a mortgage loan with Capitalone bank on XXXX XXXX XXXX. The loan officer checked my credit and stated it was to low. She stated Capitalone 's minimum mortgage score is XXXX. She stated my credit with Experian was XXXX but that was a lied. My credit score at the time of verification was XXXX. In the past 4 months my credit has never been below XXXX with Experian. I have Credit Tracker with Experian. I checked my credit with Experian confirming it was XXXX. I believe the loan officer discriminated against me. She lied about my credit scores. At this time my credit scores are XXXX with XXXX and XXXX with Experian
In  XXXX     2016, I ma de the decision to refinance {$6500.00} in student loans to a variable rate that was significantly lower than the fixed rate I was paying. I refinanced with  XXXX   XXXX , who uses Navient to service their student loans.     At the time I had  XXXX  student loans,  XXXX  of which had a 5.75 % or higher interest rate. The remaining loan had a variable rate under 2 %. I secured a variable rate under 3 % to refinance the  XXXX  high-rate loans, and specifically requested to Navient not to apply any payments to the sub-2 % loan.     When the refinance was completed Navient applied the monies to ALL of my loans equally - including the low-interest loan, against my instructions.     I called Navient. They did fix it for me promptly, which led me to give Navient the benefit of the doubt at the time.     I am writing to complain now after recently learning that Navient is being sued by the federal government for consistently misapplying payments by thousands of other borrowers. The fraud detailed in the lawsuit absolutely happened to me and it is now clear that their behavior was done deliberately in the hopes that I would not notice the error.     I am extremely frustrated and disappointed that Navient operates in such an unethical and fraudulent manner to squeeze extra profit from its clientele, and that I now feel I have to waste precious time double-checking every transaction. I want to further shed a spotlight on Navient 's abusive practices and warn others to be careful in their dealings with this company.
After making arrangements with other cards ; I went to the account that I hv filed regarding both Capital One cards ( XXXX ) with you already. I saw that Capital One has not responded yet. After calling them on XXXX XXXX, XXXX and speaking to XXXX ( Collections Manager in Virginia ) did not respond to allow my account to be charged off. Let me explain : I spoke to XXXX in the collections to set up payment arrangements and she documented my account and stated I can pay {$20.00} month starting on XXXX XXXX, XXXX via mail, bill pay, XXXX XXXX, or XXXX. I was transferred to XXXX ( Collections Manager ) to speak about why they have not responded on here. XXXX saw the notes on my account to set up a payment arrangement and he stated that if I did not pay {$25.00} in eights days ; the account will be charged off. I explained I already set up payment arrangements in this department with XXXX and he stated I am unable to wait until XXXX XXXX. I explained to him that I called Capital One starting in XXXX XXXX, I mailed a letter XXXX XXXX, XXXX and Capital One has yet to enroll me in a hardship program like I asked. I explained to him that I could mail {$20.00} preferably but I can mail {$25.00} on XXXX XXXX, XXXX. XXXX stated my payment wo n't make it in time and the account will be charged off. I am requesting your department to investigate Capital One for purposely not enrolling me in a hardship program ( which would have allowed me to make low montly payments, prevented my account from being charged off, and I would have been on a regular monthly payment plan to pay off my cards ) I am also requesting that your office investigate Capital One for not responding to my original complaint ( Case number : XXXX ) so that my account can go in charge off status to lower my credit score. Capital One did this out of retaliation because I filed with you. They should not be allowed to prevent any consumer to make payment arrangements under hardship reasons ( I would qualify ) especially when I called before it was delinquent. When I called Capital One ; I was less than 2 months late.
This is an update and a continuation from a formal and closed complaint filed with the CFPB for this same collection company that is continuing to harass me and continue to collect a debt that is not mine and that this company agreed to close and remove any negative notes to my credit file ( which they did ). 

Beginning on Friday, XX/XX/XXXX, I received an auto dialed recording to my place of employment ( federal government ) at exactly XXXX XXXX. After a simple XXXX search of the number, I found that it is it is tied to AR Resources and consumers have complained of these same types of calling coming from the same number on their XXXX page. Today, Monday XX/XX/XXXX. I received the same time call at XXXX XXXX. Both have been saved in my work phone inn the case legal action has to be taken. I had to XXXX the number because the recording does not inform you of who is calling and jut says to " please call XXXX '' In CFPB complaint XXXX, AR Resources responded to the CFPB agreeing to close this account so for them to start attempting to collect a debt I have no knowledge of over a year later is very surprising. What is more surprising is that they were sent a validation letter on XX/XX/XXXX which clearly informed them that they were not to contact me by phone so this is a clear violation and a backdoor attempt to try to continue to harass me for a debt that is not mine. Since this case was closed through the CFPB investigation process, I have heard nothing from this company by mail or any other communication until they started auto dialing my job on XX/XX/XXXX.
The XXXX XXXX XXXX managed by Barclays is the worst in handling accounts as a financial institute. The bank without any kinda of notification cleared balance transfer request of {$9000.00} and then {$6000.00} on the same day. The total amount was nearly {$5000.00} over my approved credit limit and I never got any notification or alert that a transaction is request over my credit limit. 
Then when I call the customer care they tell me please ready the fine print it is mentioned that balance transfer are approval based on the information provided and can go over my approved credit limit. When I raised my concern on my account security said banks fraud team decide the authenticity on the information provided and will only contact me if they feel it is a fraud. Which mean they are ready to transfer money from my account over the approved credit limit without notifying me in any ways. Which is a high risk and concern for me, provide in this case I messed by request two balance transfer because I never got any notification for the first balance transfer request. 

But, what if my online account access was jeopardized and a stranger would have request the balance transfer which is over than my approved credit limit. This is a high risk for all consumers in the bank. 

It is not correct to approve balance transfer request over my credit limit without confirming or notifying the customer who owns the account. It end of the day me who will have to pay.
I have traded in a vehicle with a new car loan and they paid off CarFinance in full. CarFinance had updated my credit report as paid in full. They have now reported the loan on my credit report with a balance of {$28000.00} and updating it monthly. This is incorrect. The balanced should be {$0.00}, showing closed and paid in full.
I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.
Lender exchanged loan for legal services at " zero interest '' with legal service fees to be credit as earned. Lender has confirmed these terms in writing with the BBB and in numerous texts and email messages. If lender had done so as agreed, this loan should be recorded as paid in full by XX/XX/2013 at the latest. Lender has not repossessed the vehicle, but refuses to release the lien he has kept in place on my title with the state MVD, so I can not sell the vehicle. I also consider this failure to properly credit payment to my account and an improper attempt to collect a debt that is no longer owed.
I am repaying a student loan through Navient. I am an XXXX member awards recipient. On XX/XX/XXXX I submitted a request to XXXX  to process a {$480.00} dollar payment to Navient. The payment request was accepted by Navient on XX/XX/XXXX at XXXX XXXX However the payment of {$480.00} has not posted as of XX/XX/XXXX. I believe that Navient is stalling the posting of this payment in order to allow the interest to accumulated unnecessarily. I want Navient to post this payment as of XX/XX/XXXX the day that it was accepted in order for a larger portion of the payment to be credited to the principal rather than the interest that is accumulating unnecessarily at this point. I have many times called Navient however since the call center is over seas, I have a very difficult time understanding the various customer representatives and am not given the in depth care that I require as a customer and am usually left with unsatisfactory outcomes.