WillisBack/dataset-financial-user-claim huggingface dataset:
Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.
This credit card account was supposed to be interest free as long as I paid it off by XX/XX/2017. I paid off all the purchases but then they charged me interest and now all these late fees on the interest. In addition, they are reporting this invalid balance as delinquent on my credit bureau report. I wrote them a very detailed letter and they never researched it or responded which is a violation of FCRA regulation.
I files for a modification, made the XXXX trial payments and they still put my house up for auction! Nationstar!
I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.
GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.
On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me
There are information on credit report that are over XXXX old.By law those should be remove.
I have attempted over the last year to come up with a payment plan that I can afford for my private student loans with navient to no avail. Earlier in XX/XX/XXXX they were harassing me with multiple phone calls daily and when I had gotten in touch with them they would suggest a monthly payment that I couldn't possibly afford resulting in a delinquent account. I'd be quoted a monthly repayment one day and 2 days later it would be something totally different. This went on for months. In XX/XX/XXXX we finally agreed to {$230.00} monthly payment which I have been struggling but nevertheless making. I'm now told that my payment will increase beginning in XX/XX/XXXX. I have called them and they are unwilling to work with me on a plan that I can afford. They seem to have a nonchalant attitude. I want it to be clear that I'm not shying away from the responsibility of my private loans. I do have Federal loans which is also in repayment based on my income. But their customer service is at best poor and they way I've been treated is atrocious. Not certain if they treat all their customers the same way or just those with immigrant names.
TransUnion reported me having 1 past due account. And they lowered my FICO tremendously compared to the last month. 
I requested my credit report and there is no late payments. 
I called TransUnion and representative confirmed that I don't have any delinquent accounts. 
When I told him about this problem he said he can't do anything about it. 
I need to apply for a credit card for my business and can not do it because of the unfairly lowered FICO score. It is affecting my business and my life.
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Collection agency contacted me trying to collect debt on an account that is marked written off on my credit report.
I had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I  called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.
This is a collection account for a medical bill. I had and still have insurance and met my deductible therefore no additional monies should have been billed. This has adversely affected my credit score and I need it removed immediately.
Hello ; I have been at odds for the last two years with all three credit reporting groups ; Experian ; XXXX XXXX ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.
account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.
Prior to Move-Out- I called XXXX XXXX to ask about move out requirements. I submitted the required notice to move-out as per the lease. I was not given any standards to which the apartment should be cleaned nor were any listed in the lease. I was simply told i should clean the apartment and move out. 

XXXX- My lease with XXXX XXXX ended. My keys were returned to the front office, and my apartment was cleaned. 



XXXX- I recieved 3 letters from Consumer Collection Management Inc. attempting to collect on separate debts. One listed my name, two did not. 
The letter listing my name cited a debt of ~XXXX dollars listed as " miscellanious '' from the original creditor XXXX XXXX. I had recieved no prior notice and was not contacted about any " miscellanious '' fees by XXXX XXXX prior to this letter from Consumer Collection Management Inc. 

XXXX- I called Consumer Collection Management Inc. to dispute the validity of the debts, I was told It was n't neccessary for me to submit my dispute in writing but that I probably should. Of the 3 letters, only 1 had my name and the following 2 had names I do n't recognize as well as differing account numbers. While on the phone, I resolved the issues with the 2 letters that did n't match my name. I also immediately resolved an issue of another debt I was told by the representative was under my name. This debt aparently was from someone with a differing birth day than myself. At this point I 'm sincerely concerned about the handling of my information as well as my privacy, espcially regarding a debt that i dispute the validity of.
The representative informed me that the debt in the letter bearing my name consisted of " miscellanious '' fees, for not returning keys and for cleaning of the apartment. I disputued this debt based on the inaccuracy of the underlying claims, as the apartment was both clean and the keys returned to XXXX XXXX. I also question that the debt in question is mine, as I now have heard of 3 debts from CCM that were n't mine but contained some conscript of my personal information. This shows a mishandling of my personal information/breach of privacy by either or both CCM and XXXX XXXX. As well as a breach of privacy for those debtors whose letters were sent to me. 

XXXX- I submitted my dispute of the validity of the debt that had my name attached to it. 

XXXX- I 'm filing a formal complaint with the CFPB
Steps I took : 1. Apply for Incentivized ( 0 % Interest for 18 months on a Balance Transfer ) Credit Card 2. Request $ XXXX Balance Transfer from existing, non-Wells Fargo Credit Card Steps Wells Fargo took : 1. Approved my application 2.  Transferred XXXX to Incentivized Credit Card ( Plus Transfer Fee ). **The new Credit Card has a max credit line of XXXX 3.  Transferred XXXX to existing WF Credit Card ( Plus Transfer Fee ) without my acknowledgement, request. 
4. Did not notify me of any decision that relates to # 2 or # 3 More steps I took after seeing a new balance on my old card : 1.  XX/XX/XXXX : I called Wells Fargo Customer Service ( Spoke with XXXX ) XX/XX/XXXX : Spoke with Wells Fargo Credit Card Executive Office ( XXXX assigned as Case Manager ). 
I requested the balance incorrectly transferred to my existing card ( XXXX ) be moved to my new card. 
XXXX refused this request, but stated they would instead waive the Balance Transfer Fee. 
I explained that this was not what I wanted. I restated my request to have the Incorrectly Transferred Balance moved to my new Credit Card and have the existing Credit Card Cancelled. 
XXXX again refused to rectify the Incorrectly Transferred Balance and instead processed a Lost/Stolen Card Request on the Credit Card I asked to have Cancelled. 
XXXX assured me of a 4-5 business day resolution/callback to this issue XX/XX/XXXX ( Today ) : Being assured a 4-5 business day resolution/callback and not receiving one ( now 10th business  days ), I contacted the Credit Card Executive Office and spoke with XXXX XXXX ( sp? ). XXXX mentioned that XXXX was out of the office today ( XX/XX/XXXX ), but provided me with notes and no suitable resolution to my case. Basically the same story XXXX provided 10 days prior ...
Citbank just took over for Brooks Brothers credit. When they switched to this new bank, payments made the same day did not post. Next, I began receiving 3-4 " robo '' calls a day ( and night ) from Citi asking for payment ( and it was n't even 30 days past payment date- even though I paid and they never posted the check ). The volume of calls was ridiculous and unwarranted.
I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX   came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont
Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.
I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..
XXXX XXXX did not record a Accommodation Recording Deed. The XXXX XXXX XXXX Recorders Office informed me that my property was purchased by my partner and and the Accommodation Recording never happened. In fact the Recorders Office claim that when I added my partner as a Joint Tenant several weeks before I removed my name from the Deed that I was paid {$75000.00} and when I removed my name from the Deed at the request of the mortgage company we used to refinance my property in order to purchase a second property the Recorders Clerk explained that I was paid {$170000.00}. I explained to the clerk that the {$170000.00} was the amount we borrowed on my property. The Title Company who did the escrow for the property we bought reviewed the Deed and assured me it was a refinance not a purchase price. My partner passed away without a will and borrowed {$95000.00} on my original home so we could purchase a third property. I never received any money for my property or sold my property to my partner. We had an agreement that he would remove his name as Joint Tenant on a fourth property, which is my primary residence and I would release ownership to the first property I owned solely ( the one we refinanced several times to purchase other homes ) My partner choose not to remove his name as Joint Tenant. The Recorders Office is making a claim that is not true. XXXX XXXX was purchased by Fidelity Title and claim they have no records for XXXX XXXX. Other XXXX XXXX Offices claim they can not help me. The fact that the Recorders Office claims my property was sold, than fraud was committed against my ownership. I understand that Deed Fraud is not rare and home owners do not become aware until they plan to sell or make a change to their Deed. I am claiming ownership to these properties, but fear I may lose my ownership rights. Who do I contact for help. Who investigates fraud claims.
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
I went to XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX  CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX  had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX  with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX   office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX   at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX XXXX XXXX  CT. Tel # 2XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX  CT. This attorney seemed to XXXX XXXX  from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the XXXX XXXX XXXX. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX XXXX XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my XXXX XXXX XXXX that was XXXX XXXX. As soon as the XXXX  wore off the XXXX   was hurting, and it was XXXX. I used XXXX XXXX to fix the XXXX  and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney Howard Lee Schiff P.C that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.

Sincerely Yours XXXX XXXX XXXX XXXX
We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.
XXXX XXXX called my mothers home at XXXX XXXX. She was interrupted from her sleep and I know this is FDCA violation.
Got a private loan for School ( XXXX University ) after graduation could not find a job. Upon finding a job as a XXXX, still did not make enough to pay for the private loan. After XXXX for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a {$XXXX} an hour job, to a {$XXXX}. Mom has now had to take her funds to help keep the household running. What options are available to assist with getting this private loan amount reduced? The interest rate from the years I could not pay have made the loan go from {$45000.00} to {$80000.00}. I try to pay what I can, I can not pay {$750.00} a month.