WillisBack/dataset-financial-user-claim huggingface dataset:
A company put XXXX separate charges on my credit card that were not authorized. Each charge was for {$1200.00}. The total amount of incorrect charges is {$3600.00} ( XXXX x {$1200.00} = {$3600.00} ). I contacted the company about the charges. The company 's salesperson admitted his mistake for each of the XXXX charges, and promised to issue me a credit. However, he only credit my account for one of the {$1200.00} charges. I contacted my credit card company to dispute the remaining XXXX charges, but I have not received a satisfactory resolution from them. At every step, my credit card company has misunderstood the basic facts of my dispute, and they seem incapable of bringing this dispute to a correct resolution. I need to be credited for each one of the XXXX charges of {$1200.00}. The total amount of credit issued to my Credit Card needs to be {$3600.00} to correctly remedy this issue. Please help me.
On XX/XX/XXXX I made a purchase for {$290.00}. I returned the same day and got the amount refunded to my card. On XX/XX/XXXX I still had not recived the refund so I called the prepaid card company and they filed a dispute. I have called everyday to check on this because I really needed the money back. XX/XX/XXXX there was a entry on my statement online " merchant credit hold for review '' they are stating that they recieved the refund frim the merchant but are " reviewing '' the transaction. They say they have up to 7 more days to hold the credit. They will not release the hold.
XXXX insurance has sold a debt to credit collection service in XXXX, Ma that is listed on my credit report when. I paid them and went to XXXX.
This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. 
It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. 
They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.
The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.
Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.
I am writing because I received a letter from Chase Bank XXXX XXXX to tell me that my mortgage loan will be transferred to XXXX inc on XXXX XXXX. Since then I have spoken to several Chase rep about my loan being transferred and why am I finding out so late but their only answer is that they can transfer the loan at anytime. I called Chase today to get a pay-off quote from them and was told by a Chase rep that my loan was transferred yesterday and the case was closed yesterday and that they were trying to get in contact with me. If they were trying to get in contact with me, how come i have no messages from them and how come they did n't tell me what they were trying to inform since I have spoken to them more than XXXX times in two days. I received a letter yesterday dated XXXX XXXX telling me to call and that they have been trying to get in touch with me. It is not true because I spoke to Chase several times last week and this week asking them questions about my loan. I have spoken to a rep by the name of XXXX XXXX before my loan was transferred. Now when I ask about the pay off quote, all of a sudden, they can not tell me. XXXX rep told me today that my loan was transferred and closed yesterday XXXX XXXX and then when I called back to speak to an escalation agent and she said that my loan was transferred on XXXX XXXX and they would n't have been able to give me any information. Someone is lying. I spoke to several Chase representative since I received the letter in XXXX and have spoken to several Chase rep this week XXXX XXXX and XXXX to get information about my loan and they transferred me to XXXX who says they can not give me any info until XXXX XXXX because Chase has n't transferred all my information yet. My apt is being sold and my closing is on XXXX XXXX and I have a right to know what my pay off quote from Chase is. 

Chase has lied to me so many times, first they said they were n't the XXXX to transfer the loan and it is XXXX, and I should call them, then they said that they transfer a whole bunch of loan at the same time and that they have no control over the loan being transferred. I have the right to have all the information needed about my loan whether or not the case is closed.
PLEASE HELP ME!!! 

Trans Union actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; XXXX XXXX ; TU XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; XXXX XXXX ; TU XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly an error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX XXXX  XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information
Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX to XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports As a Physician Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX  in violation of federal law. This company unlawfully reported to XXXX  as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX  ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
I am enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have been enrolled in the program and working for a qualified employer since XX/XX/XXXX. Despite submitting appropriate records including Income Based Repayment forms, annual certification forms for the PSLF program, and being enrolled in the direct debit program, XXXX XXXX XXXX still has not calculated my payments correctly. My loan was transferred to XXXX from XXXX in XX/XX/XXXX. The payments I made with XXXX are not being counted and all the qualifying payments I have made with XXXX XXXX are not being counted correctly. I have spoken with this company 9 times since the spring of XX/XX/XXXX and this situation is still not corrected. My employer has spoken with them twice and given them my correct employment start date, but my qualified payments are still not correct. Based upon my calculations, I should have made 33 qualified payments, but XXXX XXXX servicing is only crediting me with 14.
I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX
This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.
I deposited {$15000.00} with Citibank for a new checking account. I was registered for a sign up bonus of {$400.00}. The only conditions were that I deposit {$15000.00} in the account within 30 days and that it stayed in the account for 30 days. After that, the account must remain active for 90 days to qualify for the bonus. They accidentally closed my account after I had had the original {$15000.00} deposit in my account for 40 days and are now telling me since I did n't keep my account open for 90 days that I do not qualify for the bonus. They have made no steps to rectify. I received a letter saying " I '' closed the account and therefore do not qualify. But I spoke with multiple associates over several hours and each one them confirmed that this account was closed by Citibank accidentally and they would try to research what happened. But their research came back with the excuse that " I '' closed the account, when they very clearly stated they had made a mistake by closing my account.
I went to Equifax on line site and filed a request for my credit report they wanted {$10.00}. I did n't see where there was a free option available. After filling out the required information my request was rejected. I then received an email stating that I had tried to excess my account and that it had been rejected there for the account was locked and to call their number on the msg. When I called the number I talked to a lady who did n't speak my kind of english and I could n't get enough information across to her to take care of my problem. I finally gave up. I want my score and I do n't want to pay {$10.00} for it this is the first time in years I 've asked for my score.
Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. 

Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. 

Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. 

I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. 

After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.
I am contacting CFPB today because consumers can no longer purchase their credit score without being forced to sign up for XXXX 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today ( XX/XX/XXXX ), I see that two of the three credit agencies - XXXX and TransUnion - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a one-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With TransUnion at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>XXXX, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an XXXX representative when I called for assistance. I called back subsequently to lodge a complaint with XXXX 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise XXXX ( and to a slightly lesser extent, TransUnion ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>XXXX XXXX.
I XXXX XXXX has written transunion mulitiple times disputing two accounts on my transunion report which Transunion is breaking the law and not providing the information that i have requested from them and all they have to say is the accounts that i am trying to dispute are verified and they dont show me how they verified the accounts i am again going to ask Transunion to get rid of the n=bankruptcy and the XXXX XXXX XXXX XXXX account off my record due to not being mine
Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.
I hired XXXX XXXX to dispute fraudulent account but the company has not investigated or removed the trade line from my credit report. They can not validate or verify the debt. I also did research and the company doesnt have a license to collect in the state of south carolina.