WillisBack/dataset-financial-user-claim huggingface dataset:
Equitable Acceptance Corporation is charging me a fee for a service that is free through my student loan advisors. They sent in an application to my student loan company on my behalf ( which I was unaware of ) and also called there to confirm the application was accepted. They are charging me {$1300.00} for this service which is unacceptable. They gave me 3 days to cancel the contract, which I did n't realize was fraudulent until I received an email from my student loan company. Yes I signed the contract, unaware of the fact that I could get this service for free. They have informed me they will send me to collections if I cancel the contract. This just is n't right. I am already having issues paying my loans back and now they want to charge on top of that. I feel they are taking advantage of people like me, that can get these services for free.
I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.
I have a Citi Best Buy Visa Credit Card. 

On XX/XX/XXXX, I purchased an item for an amount of {$760.00}.

On XX/XX/XXXX, Citi issued me a Credit Card Statement with a due date of XX/XX/XXXX with a balance of {$760.00} with Minimum Payment of {$27.00}.

On XX/XX/XXXX, I returned the item to the original store for a full refund of {$760.00}.

On XX/XX/XXXX, Citi issued me a new Credit Card Statement with a Late Fee of {$27.00} and blocked my Credit Card. 

I called the Credit Card Customer Service XXXX. I explained the situation. The representative was able to access my account. But they said they can not do anything until I pay the Late Fee of {$27.00}.
I contacted Equifax about items that were removed from my credit report and inadvertently placed back on there by the office of consumer affairs. I spoke to several reps and supervisors to have a security/fraud freeze removed from my credit report because it 's violating the FCRA law by preventing me access to my credit score and report. I was told by a rep in the office of consumer affairs that this was done to protect my file, however, I asked for it to be removed because I did not ask for it to be placed on My credit file and there 's no suspicion of fraud. Equifax is refusing to remove this freeze and allow me to access my own credit file/score online. Someone internally in the office of consumer affairs did this purposely. This was previously reported to Cfpb.
Contacted the company on several occassions was given a email to do courtesy removal of late payment do to family illness no response. then florida was in a state of emergency with hurricane irma said the loan wouldnt be affected ( XXXX XXXX and XXXX XXXX ) for late fee penalties and negative reporting and it was for XXXX XXXX i was told to dispute it and they would fix it and its not fixed the calls are monitored and recorded for XXXX and XXXX for hurricane irma ... .. recieved a letter and the company denied me a month in a half after initial email called and left a message no call back
On XXXX XXXX, 2016, I authorized a debit from my account with my Walmart Credit card, in the amount of {$75.00} for the due date XXXX XXXX, 2016. I was leaving XXXX for my vacation last XXXX XXXX, 2016. I decided to mail a check for my XXXX XXXX due payments in the amount of {$75.00}. When I arrived after my vacation, They wrote me a letter, applying the check for XXXX XXXX due payment. Instead of my XXXX XXXX due payment. The balance instead of deducting my payments, it was even increased. For three months I was not using the credit card. Now my balance went up again because of the penalties, late payment as they claimed. I called them three times, to no avail, they are insisting on what they want. I wrote a letter requesting them to reconcile their records and waive the penalties and late payment they slapped on my account.
I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.
XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.
I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. 

I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. 

They should be ashamed by lying to people for fake bonuses, and then changing the requirements.
I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.
I was mailed a letter on XX/XX/XXXX regarding a debt that was due. 
I contacted XXXX from the company on XX/XX/XXXX and told her that the debt was paid. She required me to provide proof. I explained that the initial debt holder who contracted with RCS should provide that as I made full payment of the initial amount owned to the initial creditor in XX/XX/XXXX.
I am a victim of navients tricks that CFPB is suing them for. I co-sign a student loan. Payments were set up for auto pay from checking account, Navient changed the amount of payment without notification. When payment was sent from bank it was rejected, because incorrect amount. This went on over six months. during this time Navient reported the account delinquent, which showed up own my credit report and affected my credit score. At this time I would like to be released from the loan as co-signee. I was told by Navient that the main borrow would have to file for me to be released. I have to way of getting on touch that person. At this time I am homeless and living in my car. I can't afford a place of my own. I just got a bankruptcy discharge in XX/XX/2018. which makes things much harder Especially getting a job or a place to live. With the student loan on my credit report makes it even harder, because it is over 11,000.00 dollars. I am one of those people that I never thought this would happen to me. I Will never help anyone ever again.
My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.
By means of this complain, my wife, XXXX XXXX XXXX and me, XXXX XXXX are having an issue with a credit repair company : It 's Time - Credit Repair ; which is located on : XXXX XXXX XXXX. # XXXX XXXX XXXX, TX, XXXX. XXXX : XXXX XXXX XXXX XXXX. We are submitting this complain against this credit repair company because it charged a series of illegal advance fees as well as misrepresented the cost and effectiveness of its services. We are seeking to halt the company 's harmful conduct and to obtain relief for us, including refunds of fees paid to the defendant. Our complaint seeks also our monetary relief, injunctive relief, and penalties. 
It 's Time - Credit Repair lured us with misleading, unsubstantiated claims that it could remove virtually any negative information from our credit reports and could boost credit scores by significant amounts. The company attracted us through its website and sales advertises. He promised us to obtain a mortgage and a loan for new house. The company lacked a reasonable basis for making these claims because it causes negative scores in our credit scores. 
It 's Time - Credit Repair ; charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company initial fees that it at times claimed were required to obtain special credit reports for us. The company also charged set-up fees totaling hundreds of dollars and monthly fees that often equaled {$240.00} per month. 
It 's Time- Credit Repair incurred on deceptive acts and practices in the marketing and promotion of its services. He promised us to erase several debts because there is a law who helps people with XXXX. Consequently, it lured us to get its services but it was a fraud because it was not true. Also, it promises us to improve our credit scores by challenging items on our credit reports, regardless of whether the information is accurate. 

Sincerely Yours, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. E-mail : XXXXXXXXXXXX
Your choices are not fully accurate to my situation. Because of a breach I have a credit monitoring service with another company, that reports on things from all XXXX credit bureaus. The reported that a company pulled my credit report, except it was n't with their company it was with Trans Union. They transferred me to Trans Union and there was no way to actually speak with someone so their phone system hung up on me. I tried additional numbers and got hung up on multiple times. I finally reached someone, who was not in the US and he would not tell me where he was. Because of a hearing handicap i have it was impossible to understand him with his accent. He said he would transfer me to the US. Instead I got hung up on. When I tried calling back I got put into the endless cycle of not being able to reach anyone.
For over four years we have communicated with Capital One Short Sale Department for a short sale for our real property. Most recently we commenced the process again in XX/XX/XXXX. All documents including the financial worksheet, 3rd party authorization, short sale package, XXXX Listing agreement, offer and binder for sale of the property were provided. Capital One Short Sale Department was contacted on XX/XX/XXXX ( fax listing agent, 3rd party authorization ) XX/XX/XXXX ( XXXX Listing and shortsale package by email ), XX/XX/XXXX ( called ), XX/XX/XXXX, XX/XX/XXXX ( XXXX Capital One, and XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ,XX/XX/XXXX sent the graceful exit forms ( XXXX ), XX/XX/XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ) credit authorization form sent and completed all documentation for XXXX and XXXX the third party providers of Capital One and they stated that they were going to list and auction the property, XX/XX/XXXX Listing addendum sent, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX and XXXX ) ,XX/XX/XXXX changed locks because of breaking into the home and police called, reported to Capital One, XX/XX/XXXX ( XXXX ) home declared noninhabitable by Town of XXXX letter sent to Capital One, XX/XX/XXXX spoke with XXXX of Capital One , XX/XX/XXXX XXXX  contacted because the Capital One Third party provider changed locks and removed the padlock installed by the Town of XXXX. XX/XX/XXXX Contacted home preservation department and spoke with XXXX to cease and desist entry into the property. XX/XX/XXXX Capital One grants conditional approval letter on XX/XX/XXXX stated XXXX and that the file was with XXXX the shortsale underwriter. XX/XX/XXXX Appraisal of the property delivered to Capital One and it is reported that within 7 days that XXXX would list the property and that if the auction bid was completed the property would be sold. XXXX has delayed the listing after receiving all documents and over two weeks have elapsed without any listing. XXXX ( XXXX XXXX account manager ) and XXXX refused to accept the XXXX Listing with photos and continuously finds excuses to reject the documents and photos such as every picture should have a detailed description which is not a condition of Capital One Short sales department. Capital One Short Sale Department assured us that we would be able to complete the process within 7 days with their third party provider and be able to move on with the sale of the property. There is no obligation or written agreement that the homeowner provide 15 photos of the home in order to complete the shortsale especially when the bank performed a BPO and has all the pictures of the home that they need that they can provide to XXXX and XXXX. They have not acted in good faith and continue to find ways to delay the process.For over four months XXXX failed to list the property and requested documents again and Capital One allowed them to delay our shortsale. I am tired and very frustrated and in desperate need of government intervention as they abused their authority and made things entirely difficult to shortsale the property. They have put me through four years of misery.
Accounts are pass the pass the 7 year statue of reporting negitive accounts. 
The following accounts have been repoting negitive as of XX/XX/2009 and Experian continues to report these accounts. 
XXXX XXXX ( XXXX ) XXXX ( XXXX. 
XXXX : XXXX
on or about XXXX XXXX, 2016, I disputed incorrect information my credit report, such as incorrect names, dates of birth, address and collection accounts specifically - XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number # XXXX and XXXX XXXX XXXX XXXX acc # XXXX. however on conformation number XXXX XXXX XXXX XXXX has been removed but I have not received conformation statement that it has been deleted but have received conformation # XXXX that XXXX XXXX XXXX has been. further the XXXX XXXX XXXX XXXX accounts XXXX showed paid in full and the other showed collection which is confusing to me as the consumer and incorrect Equifax deleted the account in good standing but the collection account remains however both are over 7 years old, I also attached proof that I won a settlement from XXXX for reporting incorrect collection accounts on my credit file to Equifax.
they dont to update any file on my credit report from some reason they dont respond to my disputes i got confirmation that they receive my disputes but they never process investigations or anything they told me my account handling by a spacial person but they never want to delete anything
Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.
Credence Resource Mana h ad not lend me any money and they are billing me  XXXX    XXXX   XXXX
In XX/XX/XXXX I contacted Reverse Mortgage Funding LLC to negotiate a reverse mortgage. I asked for {$5000.00} at closing for upgrades on my master bathroom, and {$1000.00} a month. Closing was on XX/XX/XXXX. My house was appraised at {$210000.00}. Everything went very smoothly and XXXX was easy to deal with. I received a monthly statement which included a " Credit Draw Request Form ''. 

In XX/XX/XXXX, I contacted XXXX and requested a draw of {$25000.00} to add a garage to my house. I was told I would have to apply for a NEW reverse mortgage and get a new appraisal, which came in at {$220000.00} ( without the new garage ). The XXXX agent sent an email stating the I could only draw {$20000.00} plus {$1000.00} monthly. A contractor was signed to do the work and he put a lien on the property for the work to be done. XXXX called to say they could n't close until the construction was completed and the debt paid. I paid the contractor in full from my savings, leaving a very small cushion. 

I told the XXXX agent I would like a new appraisal. He said the new appraisal could n't be done until XX/XX/XXXX. I agreed to wait. In the middle of XX/XX/XXXX, the XXXX agent called to let me know that the laws would be changing in early XX/XX/XXXX, limiting the amount I could access. He suggested I should close ASAP. Closing was XX/XX/XXXX, at which time I was told I would only receive $ 17,000+ on the initial draw. I gave the notary a voided check for direct deposit into my account for the initial draw and another voided check for the monthly draw. However, the amount deposited in my account was $ 16,000+. On XX/XX/XXXX, expecting a deposit in my account of {$1000.00}, I was disappointed. I contacted the agent I had been dealing with who told me there was no clause indicating the monthly draw. 

I do n't have a copy of the closing paperwork. I believe the notary took my copy by mistake.
On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. Part of their investigation involves them forwarding the dispute to the company. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of this debt/ account I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. This specific account I am disputing has been deleted by the original creditor after investigating a dispute, and has made it to the collections section of my credit report which is heavily damaging my credit score. This company has failed me as a consumer by not complying with my consumer rights by continuously reporting unidentified and unverified information.