WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Wife and I consolidated Parent-Plus loans and other student loans for my wife into one loan. We subsequently were told we could take an " income sensitive '' adjustment. We were not aware that the interest kept compounding during the deferment period. The end result is we 've been paying on a $ XXXX loan and have paid nearly twice that amount so far ( $ XXXX ) and yet we still face a $ XXXX balance. Essentially, we have paid for the loan two times over. Also, the interest rate at the time of consolidation was 9 % and they wo n't adjust it at all when I inquired.
I have a loan with XXXX, which when first acquired the loan was told it would be easier to get additional loans and refinance for better rates. I have gotten lots of mail from them stating I was pre-approved for a new loan or to refinance. Today I decided to refinance my loan which is at XXXX % since I have not missed any payments, my credit has gotten better altogether and I have more income. The loan, which I was pre-approved for, was denied for insufficient number of satisfactory payments on my existing loan. The original loan taken out in XX/XX/2015 has almost 2 years of payment history and just over 1 year left with most of the balance paid. I have never missed a payment to date or been out of the grace period. Lending club could not answer several questions for me. If the # of payments is insufficient then why am I getting pre-approvals for a refinance? What is the required number of payments since I am XXXX 's done with them? I was told that they do n't have a specific number of payments but that every loan is different. 

This may also be a high interest lender just advertising low rates. They take investors money at XXXX % ( per website ) and make loans at XXXX % APR ( per website ). I do n't know of any borrower from them that is receiving rates below 10 %. They must make a profit as well but if they get their profit by not offering better credit borrowers the advertised low rates then its false advertising. 

I feel that this is being done to keep me locked in my loan at XXXX % interest rate, XXXX APR. With me in a better position then when I got the loan. I believe its either false advertising and discrimination to keep credit challenged individuals locked in to high rates even if their credit improves.
I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.
I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off.   I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months.  When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved.  I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments.  In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor.  I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.
APPRECIATED SENORS INVESTIGATORS CFPB AND CEO SIR DIRECTOR FEDERAL AGENCY DEFENDERS OF THE CONSUMER. 

FORGIVE, UNDERSTAND UDS ADDRESS THIS MAN IF HE HAVE PROBLEMS, BUT IT IS NOT THAT APPRECIATED SENORS THIS COULD BE RETALIATION OR FRAUD. 

I WAS APPROVED BY XXXX CREDIT CARD AND I HAVE COME PAYING ANTICIPATELY FROM XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX A CREDIT FOR {$150.00} DOLLARS AND FROM THE ABOVE MONTHS MENTIONED, I HAVE COME PAYING {$50.00}, {$47.00} {$38.00} {$44.00} {$60.00} {$50.00} {$47.00} {$50.00} XX/XX/XXXX AND I STILL HAD THEM AND I HAVE CHARGED FEE UNNECESSARY AND A DISORDER IN THE PAYMENTS MY STATEMENT HAS TWO CYCLES OF PAYMENTS ONE ON THE XXXX OF EACH MONTH AND THE XXXX OF THE SAME MONTH THERE IS A DISORDER WITH MY BILL OR IT IS I HAVE TO PAY IN 1 MONTH 2 TIMES EACH MONTH AND CREDIT LINE .... IT DOES NOT KEEP ALWAYS LOW WITH FEE OF {$35.00} THEN GO UP WITH PAYMENTS, AFTER LOWER WITH OTHER FEE, IN CONCLUSION XXXX WAKE UP WITH MY XXXX  COUNT
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.
I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
I have repeatedly been billed for merchandise that I have never ordered or received. 
I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. 

On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. 

On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX
On XX/XX/2018 I was robbed and the robbers took all of my belongings including my cell phone and wallet that had my ID debit and credit card from Chase bank inside. The robber 's were able to access ATMs and withdraw {$3500.00} which exceeds my daily allowance, and then they went into a branch and withdrew {$1000.00} from my account and Chase allowed this despite it not being me. I have placed claims on all of my accounts and chase denied the claims stating it was non-fraudulent because the robbers accurately input my pin #. There is video surveillance, call records and I have a police report all evidence in my favor that these transaction were not authorized and were not done by me ; however the bank fails to use this information to come to a decision and has denied my claims. As a customer it is absurd to me that a bank fails to verify identification for in person withdraws, and in the circumstances does not verify their own video surveillance during an investigation. They also do not use call records with my attempts at closing my accounts. The bank solely investigated if my pin was accurately used in their decision. With fraud becoming so sophisticated in modern times I find it hard to believe the bank does not follow any other procedures in terms of investigation given these circumstances. Not only do I have the above evidence, but as a long time Chase Customer, there has never been a time where I've completed transaction of this nature, which should have immediately been a red flag.
To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.
On XX/XX/2018 I reported my account ending in XXXX close due to suspicious fraud on my account wells Fargo gladly assisted me with closing the account and opened up a new account for me In XX/XX/2018 I made a complaint that I think my account information has been stolen again and that someone has been using my identify as fraud there was a investigation made ( # XXXX ) for account ending in XXXX Wells Fargo notified me via email XX/XX/2018 that the investigation has been completed and that They couldn't find any valid identify theft, the credit that was applied to my account was reversed, shortly after I was emailed on XX/XX/2018 that my account was closed due to prolonged overdraft. In mid XXXX I contacted wells fargo regarding my closed checking account and also my closed credit card account, my credit card account was closed due to checking account being close ( as wells fargo says ) when I called I was told that if I want to repopen my checking account I will have to go inside of a branch and reapply for a checking account, and my credit card account can should be able to be reopen because it was closed due to checking and NOT for non payments being made. I was told I was going to receive a call back from the CCS executive office and was never notified anything I have to continuously call wells fargo for an update and every time I call they give me a run around, my recent call I spoke to another division of the CCS executive office that is open on Saturdays and was told There was a decision made on XX/XX/18 about my account not being able to reopen and the person on the phone says " the CCS department probably didn't feel like notifying you yet '' wells fargo has bad a known history of data breach and should not be treating or blaming customers for identify theft or data breaches I am extremely upset and dissatisfied with the services wells fargo has provided
I have multiple American Express cards which earn me membership points. Yesterday as of XXXX XXXX I had XXXX points, today I have only XXXX points. XXXX points have been deducted from my account today without any justification or explanation. 

Despite removing these points, additional XXXX points are also not available for use. Earlier also Amex had erroneously not allotted me points and later after a complaint to CFPB had released those points.
On XX/XX/2018 I opened checking and savings Account with Citibank. I signed up online and was offer a {$400.00} promotional bonus. I have never had any checking accounts with Citibank before and I met all of their conditions, so there is no reason I should not have qualified for this bonus. These were the conditions of the bonus that I met. 

1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. ( Opened XX/XX/18 ) 2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. ( On XX/XX/18, 24 days after opening {$100.00} was deposited into savings and 28 days after opening {$15000.00} was deposited on XX/XX/18 ) 3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. ( 60 days was XX/XX/18, balance was maintained until XX/XX/18 ) 4. Get {$400.00} deposited to your account! ( This never happened ) I have made several contacts with Citibank, and am continually getting the run around. They keep saying they are processing my request and have submitted cases to get my bonus, but it never happens and they keep extending the date when it will be completed. Here is a log of my calls : XXXX was told that I qualified for the bonus as of XX/XX/2018, but it can take up to 90 days to be credited to my account, so I need to wait until XX/XX/2018. 

XXXX No bonus. XXXX via chat said I had met the qualifications of the bonus and that he would submit an investigation for the promotional bonus and it would take up to 7 business days for it to be resolved. I found out on XXXX, that he never did. 

XXXX XXXX via chat said that XXXX did not open a case for me regarding the missing bonus. She verified that I met the qualifications of the bonus, and created the case. She gave me case # XXXX. She said allow 5-7 business days for it to be resolved. 

XXXX XXXX via chat said call XXXX if I still didn't have my bonus, because I should have my bonus by XX/XX/XXXX. 

XXXX Called and asked to speak to a supervisor. Supervisor said it's taking 30 days to post bonuses and there's nothing she can do to speed this up. 

XX/XX/XXXX XXXX Transferring to one-stop handle promotion deals Transferred to XXXX- ( # XXXX ) This is the first time anyone has given me any ID number. XXXX said no one had been reviewed my case yet, and there's nothing he can do other than maybe open another case or I could try speaking to a supervisor. 
Delight-supervisor, says 10 business days, contacting investigator. Decision with in 10 business. Need a supervisor to approve a supervisor, and this has been done and it's on the final stage. Delight will be giving me a call back and will call by Friday XX/XX/XXXX. 

XXXX XXXX- supervisor said these investigations take 30 days. I told him that I'm continually getting brushed off and each time I call they give me new dates and excuses as to why I don't have the bonus. I asked if I could speak to XXXX. He said that he sent her an email for her to call me.
I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.
I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. 

On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. 

I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. 

On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. 

Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. 

I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX
I mailed a letter to them to close my XXXX XXXX account but no confirmation my account has been closed. I have enjoyed them as a bank but told them I have another account with another bank now with a higher APY.
Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
The first item in question is : Name : XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX According to my Experian credit report this item should have been removed ; however, it's still showing on my credit report. Please remove. 

The next item in question are for ( 2 ) accounts with XXXX. These accounts don't belong to me, please provide proof this account is mine. Also, there are ( 4 ) accounts for XXXX XXXX XXXX, these accounts don't belong to me, please remove. 

In addition, the following accounts don't belong to me, please remove. 

Account Name XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX-XXXX   Open Date XX/XX/XXXX Balance {$910.00} Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX   XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$550.00} Debt
I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?