WillisBack/dataset-financial-user-claim huggingface dataset:
Signed up for a guitar center card in XXXX XXXX. I was told I can return the product within 6 months if not satisfied, I did go back in XXXX and was told that guitar center would 'buy ' back my guitar for less than half of what was charged to my card. 
Initially XXXX XXXX managed this account, then was turned over to Syncrony Bank in XXXX or XXXX XXXX. Getting in touch with management is impossible and these people are unforgiving with high penalty fees, for people who can not afford them. I was told my account would be under a promotional period until XXXX of XXXX, and try to extend it so I can pay the principal balance on the XXXX of XXXX, but they refuse, it 's a difference of almost {$300.00}. Please help. On hold over 1 hour waiting to speak with a supervisor, still not results. Original cost of item was {$900.00}, I have paid {$610.00} since I received the card in XXXX XXXX. My balance is currently {$850.00}. 18 months later my balance is nearly the same.
My highest credit score was XXXX, on XXXX XXXX. I contacted XXXX XXXX XXXX and informed them I wanted to pay the debt off because I wanted to apply for a home loan, needed to improve my credit and possibly start service with them again. Before making the payment, I asked the representative will the Diversified Consultants report be removed from my credit report since I am paying them and they are the original debtor? I also, asked for a letter in writing, however, she informed me she would email me my receipt and that was my proof of paying and that XXXX XXXX would receive proof of payment remove themselves from my credit report completely. I proceeded to pay {$1300.00}, and I received my receipt as promised via email. I called Diversified Consultants and informed them, I'd paid XXXX XXXX XXXX XXXX in full, and asked for deletion of their account on all 3 credit bureau because the balance has bee paid to XXXX XXXX XXXX. Diversified Consultants informed me they do not delete reporting and the account will stay on my report for 7 more years and they will report the debt as {$0.00} paid, closed. My credit score has since dropped down to XXXX, 41 points. I AM NO LONGER ABLE TO APPLY FOR A HOME LOAN! I should have left the debt alone if this was going to happen. This is not just, I paid the debt through XXXX XXXX XXXX, and was LIED to. I want Diversified Consultants removed/deleted from all 3 credit reporting agencies completely.
So i applied for a morgage loan and the loan officer named XXXX was not very good with communication. Ive never met her she did everything through emails. I had to call several times till i finally got to speak with her over the phone. She wouldnt give me details of what was going on with my loan. I didnt know if i appproved or if i didnt and she told me about three different loans sonot sure which one she got me. I repetedly asked her about closing cost and told her i need to know cz i dnt have that kind of money if it was to high. She said it would be about 4500 or less them she drew up a conyract and said i needed XXXX XXXX for closing then it changed on another email said i needed XXXX, XXXX and i told her i didnt have that kind of money but i would try my best to get it and how long i had .she said not till XX/XX/XXXX and i said ok good. I sold everything i had that meant allot to me and i call her three weeks later and she emails me and sais she canceled it but then again never spoke to me about it ever ... im left with nothing ... this was suppose to be a first time good oppurtunity fo my family and a furst time home buyer and i feel like i was treated unfairly and completely cluless to it all of what was going on
Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.
I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the paymentXX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX XXXX and Experian In conclusion i was just HUNG up on while waiting to make a payment.
Thank you
I have attempted to get a loan modification from GMAC, nka OCWEN for 4 years. I have sent in XXXX modification packages with over XXXX documents in each one with delivery confirmation, have mailed the documents using delivery confirmation, have faxed them in and have emailed them. Every time they start to process, something is missing on their end. In total, I have faxed over XXXX pages of documents trying to facilitate their processing. Now the servicing agent, OCWEN, has started a foreclosure action, even though there is a modification package on file that is, again, in process. I thought GMAC scammed us all but the real scammer here is OCWEN. They now claim I owe {$74000.00} more than my original amount owed due to late fees, interest, penalties, real estate taxes and home owner 's insurance. I owe more since they have nothing but give me the run around about needing more and more documents. All in an effort to make more money.
On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
On XX/XX/XXXX I sent a certified letter to Experian and XXXX  requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from Experian on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. On XX/XX/XXXX I received a response from XXXX saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to XXXX on XX/XX/XXXX dispute there being a freeze request.
On XXXX XXXX, XXXX, I was charged {$1000.00}. This was a result of someone hacking my XXXX, sending themselves money with my linked credit card. I also received a text from XXXX asking if I authorized this charge and they asked me to text yes or no back. I texted no back hoping that meant they could stop it and freeze my account and whoever hacked it. They also asked me to change my password because it was hacked, so they could see it was hacked from a different XXXX location. I contacted XXXX and they basically said it takes 7 days to figure everything out. After 7 days they basically said there is nothing they could do because the money was sent as friend/ family thus not having their purchase protection but then I explained how it was hacked and they had me change my password because of the hacking etc but they would n't do anything and said that I needed to contact my credit card company. I proceeded to contact Chase on XXXX XXXX, XXXX. After months they sent me a letter saying there is nothing they could do. So now I am stuck with a {$1000.00} charge on my card that has been also charged interest for months with no one willing to help me. Luckily I heard about you guys from one of my business mentors and REALLY hope you guys can make this right! Thanks so much
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX Mortgage begin a modification process on my 1st and 2nd mortgage at the same time in XXXX of XXXX. After complying with the terms and paying the trial modification my first was modified permanantly in XXXX but my second was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then in XXXX of XXXX I got another notification that my 2nd mortgage was under trial modification, Again I continued to pay it on time and in XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my 2nd mortgage since the trial began. They corrected this on the first mortgage but not on the 2nd. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the 2nd mortage took so long. But with the first, XXXX XXXX XXXX Reported that I was on time from the start of the Trial Mortage. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my 2nd mortgage from XXXX of XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with XXXX XXXX. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. Experian is reporting that XXXX XXXX says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
This agency has a legal responsibility to provide information to verify this debt so as is my right to be furnished, I demand all the original contract, terms and entire payment history as well as the proof of bond agreement and XXXX as well as a letter of assignment on this account from date of opening or it is not in compliance to FCRA XXXX XXXX XXXX XXXX and is to be deleted immediately According to the FDCPA, I have a legal right to cease and desist and I am exercising that right now which also calls for the account to be deleted from the reports as otherwise it is an attempt to collect on the debt and a violation of my legal rights. 
This account is also dated more that XXXX XXXX XXXX and therefore even being on my credit report at this point is a violation that I will be bringing to the attention of the proper authorities as well.
XXXX, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, XXXX, and Equifax ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX   and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed.

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
XX/XX/2015 I received CareCredit preapproval XXXX for expected dental work which I was advised could present letter with XXXX forms of ID to any dental provider.
XX/XX/2015 I booked a "free" consultation XXXX.  I was given only XXXX plan of treatment estimated $XXXX  Advised XXXX dental office I need to discuss with husband prior to commitment.  Was advised by XXXX of need to make down payment on date of starting any work, that is when I showed him my preapproval which he took a picture with his phone and went to the computer and raised the credit line to XXXX without my approval.   I later learned he also charged the $XXXX and I now believe he presented a forged signature to CareCredit when I advised them I did not authorize this charge.  I XXXX notified Care Credit by phone XX/XX/XXXX of the charge not authorized but agreed to call back after talking to dentist to request he reverse the unauthorized charge which XXXX refused to do, so on XX/XX/XXXX I filed the unauthorized charges dispute with Care Credit and again on XX/XX/XXXX asked XXXX to reverse this charge for services not received and also requested he reverse fraudulent charges to my insurance company.  All of which he refused.
The folloup visit after the XX/XX/XXXX "free consultation" was on XX/XX/2015 - upon checkin was asked for down payment, advised would not make down payment for prior estimated plan as did not approve and arrived early to discuss other options
Was advised XXXX to go ahead with XXXX procedure XXXX and would fully discuss new treatment plan and understand all charges before left dental office that day.  Did not happen.
XXXX miscellaneous other work which I never understood or received any explanation of charges for even though I called several times between XX/XX/XXXX and XX/XX/XXXX and was only advised could make an appt on XX/XX/XXXX to speak with XXXX as he was only XXXX authorized to discuss my treatment and charges and was out of town until XX/XX/XXXX despite he filed claims XX/XX/XXXX and XX/XX/XXXX (very hurriedly) as he knew I did not approve of the preestimate given XX/XX/XXXX .
XXXX would not discuss alternate plan on XX/XX/XXXX stating it would cost additional XXXX to make any changes to plan.
XXXX has now presented to CareCredit XXXX stating offer to refund $XXXX and that $XXXX is for services rendered which are absolutley false.  Only work I can confirm is a XXXX estimated on original pre-estimate of $XXXX XXXX.  He has fraudently been reimbursed by my dental insurance $XXXX for $XXXX charged for Free Consult and XXXX never received all part of the preestimate I did not approve or go back for. CareCredit states they have to go with Dentist charges even though I did not authorize the charge as they presented a signed receipt(I believe forged) and statement of services.  When asked how I can complain about their inability for a fare dispute process they told me to google it or go to BBB that XXXX Care Credit did not have to give me who to further dispute against Care Credit with.
I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.
The company PREFERRED COLLECTION & MANAGEMENT SERVICES, has continued to reinsert previously removed non-factual debts. At this time, this company has reinserted the same debt multiple times causing ongoing credit detriment. PREFERRED COLLECTION & MANAGEMENT SERVICES should immediately remove this debt and cease and desist from any and all further collections effort in whole or in part. PREFERRED COLLECTION & MANAGEMENT SERVICES is further advised that pursuance of this matter may be subject to litigation and subject to any and all remedies deemed reasonable by local jurisdiction.
On XX/XX/2018, I tried obtain a free annual credit report from XXXX  using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against XXXX for not allowing the consumer to obtain theri reports online. To date CFPB and XXXX has refused to address or acknowledge this complaint. 

I had to submit an written request to XXXX  to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. XXXX  reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received XXXX  report # XXXX dated XX/XX/18. XXXX  has refused to investigate and fix the following complaints : Although Cicitbank is reporting my credit limit to XXXX. XXXX  has removed the credit limit on my Citibank account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to Citbank and verfied reporting of my credit limit. In addition all other reporting agencies are showing the Citibank credit limit. Therefore, I would like to file a formal complaint against both Citbank and XXXX  for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.
XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE HELP!
On XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX, XXXX to address a false report on my Experian credit file which indicated that I am past due on my bill. I was assured that the account was in good standing and in forbearance status. The representative who took my call also suggested I dispute the item to get it removed from my credit. Upon doing so, the company reported that I was late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail that was dated XX/XX/XXXX which confirms that I do not have a past due  balance and my account is currently in forbearance status. My credit score has dropped tremendously due to this error.
Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.
I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.
The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid.
My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.