WillisBack/dataset-financial-user-claim huggingface dataset:
We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!
I just learned there is an unpaid electricity bill that was originally in my daughter 's name along with mine. In XXXX when she moved into her own place I signed in lieu of a big deposit to get her electricity connected. That ( I thought ) was the end of it. She eventually moved out and into another apartment from XXXX/XXXX/XXXX until she moved out in XXXX XXXX ; she then had the electricity transferred in the roommate 's name. Whether when my daughter left, the electric company did n't send the last electric bill, I do not know ( they will not discuss with me now that this is turned over to a collection agency ). The electricity company has now reported me living at her last address ( my residence is 12 yrs 8 months where I am currently ). In addition, this unpaid balance of {$79.00} is now showing as a collection on my credit report. I have reached out to the collection agency ; they are very rude! They are requiring I file a police report of stolen identity since I never lived at the place where this electricity bill originated ... show proof of my residence for the time the electricity was generated at that address. I am literally being instructed to jump through many hoops. I would n't mind just paying the bill just to get rid of it but would it really get rid of it? Wo n't it stay on my credit history as a collection? Why ca n't I just pay the electricity company and ask they call off their collection agency? I personally had my daughter 's mail forwarded when she left that apartment to my residence to avoid things such as these. I believe that was for a time frame of 6 months to a year ; we never saw this bill or any letter informing it was unpaid or going into collections. Can you help me? Thanks!
In XXXX XXXX I received a phone call from card services - for a Bank of America credit card. The rep on the phone explained that this call was an attempt to collect a debt for a Bank of America credit card with a balance of {$580.00}. 

I told the rep I never had a Bank of America credit and I went on to ask her when the account was opened she said the account was opened in XXXX and the last payment received was in XXXX from a XXXX account. I 've been a Bank of America customer for 11 years with a checking and savings account. 

I contacted the fraud department the very next day and they said they would investigate the matter. I recently received a letter from Bank of America fraud and claim team with the following message : After a thorough review, it has been determined that statements were mailed to you and payments were made. As a result, you 'll be responsible for any balance on the account. 

I was n't asked any information to substantiate my claim about this account being opened fraudulently. Nor did Bank of America provide me with any proof they used to verify that this account belongs to me.
XXXX XXXX XXXX/Navient is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXX. XXXX XXXX/Navient to correct this issue and update my credit report for all 3 bureaus.
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I previously submitted a complaint on XXXX, Experian, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXXXXXX, Experian, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!
Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. 

Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. 
The decrease in credit limit will negatively effect my score even though account was always current. 
They sent letter day before decrease so no proper notice was given.
I applied additional cards on XX/XX/XXXX for my two American Express credit cards, Everyday and Platinum, because they sent me an offer which would give XXXX and XXXX membership reward points for each Everyday and Platinum additional card, respectively, after reaching certain spending requirements. I applied four additional cards for each account and would expect to receive XXXX and XXXX XXXX XXXX. 
However, one month after my additional cards all reached their spending requirements, today I found all additional cards were cancelled. I also updated necessary information on XX/XX/XXXX per their request. 
They just kept asking me to call them but no one really tried to solve the problem.
Broadview Mortgage company is sending me unsolicited mail encouraging me to refinance one of my properties. I have never done any business with this corporation or any of its affiliates, so I should not be receiving this mail since I never requested their services. The envelop they sent it in does not include any sender address information and the outer face of the envelope states " Notice of Overpayment '' leading me to open the letter because I thought it was about one of my bills. Only when I opened the letter did I realize that this was in fact an unsolicited advertisement. The disclaimer in the letter included an expired CA DBO number ( # XXXX ) so I had to do my own research to get their current and active number ( CA DBO # XXXX & XXXX # XXXX ) and address information. 

I tried to tell the customer service at the provided telephone number in the letter XXXX to completely remove me from their marketing and mailing list, but the representative refused and hung up on me. 

I do n't wish to do any business with this company that engages in such sleazy marketing practices so I request that they stop sending me any more mail or marketing materials.
XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of XXXX
The interest keeps climbing and my lian amounts nearly doubled, which makes it merely impossible to pay my student loans. Im a single mother, and I barely make it day to day for basic necessities.
I filed a dispute with Equifax and XXXX at the same time concerning a judgment that has been cancelled from my record in XX/XX/2015 and XXXX has removed it from my credit report in XX/XX/2015, Equifax had not and answered the dispute that the information was correct. On XXXX XXXX, 2015 I called Equifax concerning this and filed a dispute by phone and as of today the judgment is still on my Equifax credit report and I have n't received a letter or anything concerning this dispute which is been almost XXXX months. I want this corrected.
I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.
We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.
I received XXXX notification by Diversified Consultants Inc in XXXX 2015 ; I had 30 days to make arrangements per law or the debt will be reported on my credit report. I went online and made my first installment within 30 days ; company accepted terms, collected first payment and the company still falsely reported to the credit reporting agencies as unpaid amount ( which is not trueO and I continue to make no attempts to pay the debt. This has caused undue hardship to my credit score and is in violation of the consumer credit laws.
For the past three months various phones from the XXXX company have been calling me at least once a day indicating that they want to provide information about trips that I have won and things of that nature. Every time a recording machine calls and even after using the option for them to take me off their list they are still calling. 
The numbers are the following : XXXX XXXX
2 XXXX XXXX XXXX accounts are still showing on my equifax credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. Equifax has yet to remove them.
This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to XXXX  and Experian that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX  XXXX  hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help me.
My information was hacked and now I need to be hyper vigilant about my credit. I did n't need this added stress in my life.
I bought a Laptop from best buy for about {$1400.00} in XX/XX/XXXX, I was told if I opened a credit card I would get 1 full year to pay it off without interest after making over {$1200.00} of the payment leaving only a balance of {$200.00} I was unable to contact them. I called over 20 times and they were unable to find me in the system to make a payment. I received a letter via XXXX in XX/XX/XXXX stating I owe close to {$600.00} I called again and they were unable to find me. after giving them all my information many many times they realized that my social security number and phone number and name are all incorrect after figuring out the right information I requested they fix the issue so I can make a payment of about {$200.00} or even {$250.00} that said they will not drop a XXXX down and want {$600.00}.
I contend that all of the inquiries made by CONTINENTAL FIN CO, XXXX XXXX XXXX, XXXX, DE XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
TD Bank does n't allow external applications to access checking account, apps like XXXX pay, XXXX pay, XXXX XXXX XXXXXXXX, unless I visit a branch. Unfortunately I am a long haul truck driver and while on the road I do n't have the ability to visit the branch as readily available as others do, so I am prevented by the bank from accessing viable alternative payment methods that can enable me to save money on fees.
After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXX XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.
In XXXX of 2016 I went under contract for a new construction home with PULTE. Along with the contract, I was presented with many documents including a single sheet ( XXXX piece of paper ) showing the proposed layout of the lot. At the time, the entire back of the subdivision, where the row of my townhome was going to be built, was not yet developed. This fact of course made it impossible for me to envision where and how my unit was going to look like. 

After many delays in the building of the units, it was finally XXXX when I had the first official construction meeting with Pulte. The final week of XXXX, after they laid down the foundation, I visited the property and to my surprise, the row next to mine -also brand new-, was almost touching. What this finding meant to me was that I would not have any privacy, any common area, any green space on the back of the unit. The majority of the complex is very well thought out and most homes count with significant privacy and common grounds so I would have never imagined my house not having the same specifications. 

I firmly believe there was a purposeful lack of misrepresentation. I was never provided with actual measurements of the lot and the ones being erected next to mine. 

There was plenty communication between XXXX XXXX, representative for Pulte, and myself from XXXX to XXXX that could have allowed the lack of privacy on the back patio to transpire. 

When I first signed the contract, there were other lots open and if I had been presented with all the facts, I would have selected a different property. 

When you couple this with the significant delays in the construction of the townhome ( it was going to be finished XXXX XXXX and it is today still being built ), you can understand the detriment that this posed for my family and myself. 

Additionally I had to wait XXXX additional months to list my own home for sale, missing the summer market along with the potential for a larger profit. 

In the end, I decided to terminate the contract with Pulte and at that time my real estate agent and myself engaged in negotiations with the builder to try to get my initial deposit back. I paid {$6000.00} as earnest money. As of this day, Pulte has denied any refunds. 

This is the purpose of my complaint. I would like to get a refund for the full {$6000.00} initial deposit. Please note that the seller put the home on the market right away and it is already under contract for a larger sales price than mine. The builder never loses! 

You can see the email exchange between Pulte 's sales representatives and my agent. 

I have worked hard to advance in life as a minority single parent and I deserve to be treated fairly and to receive as much information as it is available at the time of making life changing decisions as buying a home. 

Pulte knew how important this purchase was for me given my family situation and provided that my parents were assisting me with a portion of the financing. 

I thank you for your time and consideration of this request. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
This complaint is in regards to how XXXX and their card issuer Chase manages refunds/credits in a foreign currency. My complaint is that XXXX and/or Chase is applying a different exchange rates to customers depending on if the transaction is a purchase or a refund. This difference in exchange rate is not insignificant ( 1-3 % ) and appears to effectively be an undocumented fee. I experienced the following XXXX examples of this recently : On XXXX XXXX, 2015 a charge for {$40.00} XXXX was made by XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$32.00} United States Dollars ( USD ). This charge was in error, and a refund was issued immediately by the vendor for {$40.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$32.00} USDOn XXXX XXXX, 2015 a charge for {$180.00} XXXX XXXX Dollars ( XXXX ) was made by XXXX XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$130.00} USD. Part of this charge was in error, and a refund was issued immediately by the vendor for {$20.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$14.00}. 

In the above XXXX exampled even though the return/refund/credit should have resulting in a net charge of {$0.00} USD, they did not - and in effect I was charged for the privilege of purchasing and returning an item. I have contacted Chase XXXX times to date without an adequate explanation for the use of XXXX different exchange rates. I am requesting an investigation by the CFPB if this practice is fair or deceptive. Thank you for your time regarding this matter.
I believe santander consumer is in violation of repossession back  in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by  XXXX  Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.