WillisBack/dataset-financial-user-claim huggingface dataset:
My problem is with XXXX. I have had a credit card with them for over 20 years. Last year they closed the store in XXXX XXXX where I live. Now there is no location convenient for my use. I therefore have not used the credit card. I did get an estimate for carpeting from XXXX about 3 months ago but the cost was too high and I purchased from someone else. 

There are very few times that I can now shop at XXXX and their on-line prices I have found to be too high. That is not the problem however. The problem is that I received a letter telling me that I either had to make a purchase by XX/XX/XXXX, or my credit limit would be lowered. 

The letter is dated XX/XX/XXXX, and states ; " Thank you for being a valued XXXX cardmember! After a recent review of your account, we noticed that your XXXX card ( for the account number referenced above ) has been inactive for over 16 months. 

In order to prevent the credit limit on your account from being lowered to $ x, xxx due to inactivity, you must use your XXXX card to make a purchase or other transaction by XX/XX/XXXX. '' I find this to be " XXXX XXXX ''. They are basically telling me that if I do not use my card, that they will take action that will result in a negative impact on my credit rating. I have always had excellent credit with XXXX. I would have used my card had they not decided to close that only store near me. 

I should not be " threatened '' with negative credit history due to their actions resulting in the store closure.
I recently open my credit card account with Chase. My card was flagged for fraud. I called their fraud department and was told to wait for a senior specialist to call me back. I have not received any calls. Therefore, I tried to cancel this credit card as it is not worth the hassle for me to pay for an annual fee when I can not use the card. However, the customer service representative is unable to close out my account. As I am unable to close my account via phone, I have sent a letter requesting the closure and have not heard any response. Therefore, I am going through this channel to get this account close.
I contacted Walmart ( XXXX ) because my new bill has fees/interest on it, saying the late fee I rec 'd due to holiday in XXXX was waived and I paid minus that {$70.00}, and can not understand more fees/interest. I was told, again, something is put on the balance increasing next month 's pymt plus because I only pay minimum they added interest. I said paying minimum is legal, I am unsure of what your doing or if it is legal. The woman said I pay too early and get late fees. I pay all bills around the XXXX with limited income due to XXXX XXXX. She said it reflects my billing cycle the XXXX. Again, I was advised to do what I needed to as they want the amount being charged. I seek your intervention with this. Thank you XXXX XXXX ( XXXX ) Walmart.com XXXX
Can not login to any apps that allow me to track my subscriptions because TD bank does n't allow 3rd party apps such as XXXX.
I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.
A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.
Capital One refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also XXXX has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.
I started school inXX/XX/XXXX at XXXX College. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I never made a payment and I defaulted on my loan with XXXX XXXX XXXX. I was also out of school XX/XX/XXXX toXX/XX/XXXX. I was then in school fromXX/XX/XXXX toXX/XX/XXXX ... XXXX then made a false claim that I made three payments of $ 600+ in XX/XX/XXXXand closed my account. Impossible since I was still in school. ( XXXX XXXX XXXX campus ). Since then I consolidated my loans and according to CA law the SOL is 4 years from time of first default to sue, well in XX/XX/XXXX, I get a notice that XXXX sold my account to Williams and Fudge. 6 Years from the first default and now Williams and Fudge is suing me. XXXX is a total SCAM!!!
I tried to make an electronic payment from my bank account and the credit card company declined the payment saying it was an incorrect bank account number. I tried making the payment again electronically and again the credit card company would not accept the payment for the same reason. The bank account number is correct and there is more than adequate funds in my bank account to make the payment. Then the company charged me twice for a returned check fee. I tried to get that credited back to me, but they are not doing that. I should n't be punished because of their mistakes. I made a payment by money order and they refuse to process the payment. The only answer I have gotten from the company is that the payment is on hold. No one knows why. I have tried numerous times to rectify these problems via live online chat. The customer service representatives say they ca n't help me. I have spent the last 3 days trying to get help on the phone and numerous customer service representatives and supervisors say they ca n't help me. At the least, this company has a customer service problem. I have wasted 3 days and countless hours talking to people who refuse to help me. I have explained many times that i need to be able to have my credit card available for XXXX XXXX when my school is going to make a scheduled charge to my credit card. They still ca n't help me. Can you?
I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since XXXX XX/XX/XXXX with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( XXXX ID # XXXX ) keeps giving me incorrect information when I speak to her on the phone, and on numerous occations I receive incorrect correspondance from SLS. I receive similar treatment from SLS as alleged in the class action lawsuit filed in California in XXXX XX/XX/XXXX-Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their application was missing information that had already been provided on numerous occasions ( SLS never called me about missing documents, I always had to initiate phone calls to SLS to receive any information that would speed along the process. 
1. In XXXX XXXX SLS asked for a title policy and I said I did not have one from 20 years ago and it appears the title company may be out of business ; another bank told me the banks have the policy not the borrowers. ( 2 ) Then SLS told me my first mortgage had never been discharged and SLS could not do anything until it was discharged. It turned out that this mortgage had been discharged in XXXX. I sent SLS the mortgage discharge certificate which I easily found on the public web site XXXX. Then SLS told me I needed the 2nd mortgage ( by XXXX ) discharged-again I sent them the discharge notice from the same public web site. Now SLS is asking me for the title policy again and I told them I do n't have it. The phone clerk XXXX said she will see what to do and tell me in 7 days-the answer should really only take a day at most ( again stalling ) Stalling the resolution of this process cost me lots of time and needless money-electric, heating, snowploying and insurance costs. Remember this house has been completely empty and ready to give up for 6 months. 
Remember, As currently alledged in the California class lawsuit, it is alledged SLS violated U.S. Consumer Financial Protection Bureau new guidelines regarding modification guidelines-as is happening in my case.If needed I have every bit of documentation and they supposedly taped every phone call of which there were many, all initiated by me.
i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail
Received XXXX from the following bank for which I have never had any borrowing business : Bank of America , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation.
I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!
I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid it.
i am writing to you about a dispute i filed with my capital one card.i paid a company XXXX on XXXX XXXX the company name is XXXX.i was issued a credit on XXXX XXXX iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what XXXX sent in.i tried on several occasions to talk to capital one but it seems nobody would listen.this company also promised me a grant which i also found out was fraud.i am the victim and the customer but capital still lets them operate with a merchant account to commit fraud.why do they not have to prove what they did for such a ridiculous amount.i do not feel capital one even did an ounce of investigating.
In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. 

I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. 

Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. 

As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.
Company reporting 6 inquiries on my credit report that are not mine and Im the victim of identity theft.
On XX/XX/2017 at XXXX XXXX, I gave Coinbase {$350.00} for one Etherium, a cryptocurrency. Apparently the expiration date on my credit card was incorrect, and I was not charged the total amount. Their service stated I still owed a {$47.00} fee. What followed over the next 8 months was a saga of me trying desperately to pay this stupid fee with every way I could ... Credit, debit, ACH, friends transferring crypto. I had several support tickets, and followed every instruction. Nothing worked. For a few months, their website said that I " still owed a fee of {$0.00} '', which was especially frustrating. A few weeks ago, I was finally able to successfully pay the fee and use the service again. However, they still haven't returned my 1 ETH, valued today at XXXX {$800.00}. Please help! They took my money and are not giving me the asset I paid for! 

My current support ticket with them is # XXXX, which I opened several weeks ago. They have not replied to my multiple requests for help.
I had auto insurance with   XXXX   XXXX   back in  XXXX  which I drop, because I called to see how much will it be for me to add full coverage to my   XXXX   XXXX   XXXX  . I was inform that my truck did n't have any coverage due to none payment in the sum of {$56.00},  XXXX   XXXX  thru  XXXX   XXXX ,  XXXX . I asked the rep how is this possible due to the fact, that my payments is automatic drifted out of my account and that was the reason my insurance was so low. The rep said she seen where I had auto drift, but something must have happen to the system, so in other words you had me driving illegal and adding to that I could have hurt someone and did n't have insurance.  XXXX  want me to pay something that suppose have been taking out of my account in the first place and put the debt on my credit report.  XXXX  said the only way that they would take it off my account if I prove I have insurance after I drop them. IT 'S NONE OF THEIR BUSSINESS, I HAVE OR DO N'T HAVE INSURANCE, IT DID N'T MATTER WHEN THE TOOK IT OFF WITHOUT TELL ME. I WANT THAT DEBT REMOVED FROM MY CREDIT REPORT.
Me and my husband started getting help from Global client solutions back in XX/XX/2017. They told us that they would contact our creditors and no one should be calling and contacting me. Well the calls never stopped from any of my credit card companies. I contacted XXXX XXXX XXXX XXXX which is who I go through and also contacted global client solutions. They said that they had contacted them not to worry. We were told that how the program works that we would automatically draft a monthly payment and once we built up enough money in the account to pay off a debt they would contact our creditors and negotiate the price. We have been paying since XXXX and nothing has been paid and none of my creditors have been contacted. Now I tried to get out of the program but Global client solutions says I only have a balance of a little over 200.00 in my account which should be over 2000.00 which is enough to pay off a couple of our debts. Now they are saying that there were fees that we had to pay and that they are non refundable since they already did the work. They have not done any work. they have been taking our money and not paying off anything like we agreed to. Everytime I call I get placed on hold and no one ever answers. how do I get my money back? Now I have to start paying on my cards again and im so far behind because we now have the late fees and the interest since they haven't been paid in 8 months which outs us further behind. Not saying how bad it hurt our credit and we will never be able to catch back up especially if I cant get my full amount back.
I recently received a copy of my credit report and found that XXXX XXXX   account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX  balance however after several disputes the information has not been updated
I have 2 credit card accounts with Capitol One, and thought I had set up Auto Pay using their XXXX-based App starting with XXXX payments, but in XXXX the first payment did not go through and a late fee was applied. A XXXX XXXX phone representative said I never set up Auto Pay, but made only one time payments on the App, and blamed the problem on their App not processing properly. The phone rep did reverse the late fee, and we set up Auto Pay over the phone, but only after a lot of wasted time. Capitol One is setting their customers up of failure by providing an App that conveniently doesn't work, truly enroll their customer in Auto Pay, process payments, and apply late fees, requiring their customers to call in and explain the situation, hoping they reverse fees. The whole point of Auto Pay is ensure that payments are made to avoid late fees, but Capitol One does the opposite the first chance they get, using their Auto Pay enrollment as an opportunity to sew confusion and apply fees. Very sad in XX/XX/2018 to blame an App!
I am in the process of filing chapter XXXX bankruptcy. I have been contacting all of my creditors in order to fill out a packet given to me by an attorney 's office. I have not retained this attorney yet because the information needs to be filled out completely before I file. In attempting to gather information needed, such as balance due, account #, and mailing address for correspondence, I ran into an issue when I contacted Atlantic Credit & Finance, Incorporated. On the evening of XX/XX/18 at XXXX, I called to gather this needed information on several accounts that were placed with their agency. Initially, I spoke with XXXX who handles my accounts. I explained that I was filing bankruptcy and needed balances due, account numbers and mailing address for correspondence. Instead of her cooperating, she began asking me, in a very sarcastic tone, unnecessary personal questions, such as, " How did I get into such big debt? '' and " How does it make me feel? '' I started to oblige her questions, but told her it does not change my decision to file bankruptcy and asked her to please provide me with the information that I needed. She then transferred the call to her supervisor named XXXX ( spelling? ). She then started asking me the same questions in a sarcastic tone just as the previous collector did. Then she accused me of lying about the debts that I owed. For example, I am behind 3 months on my auto loan and she argued with me that it wasn't true, insinuating that I had money lying around somewhere. Again, I asked her nicely to please just provide me with the information so that I can turn in my paperwork to file. She then began to ask me personal questions like the previous girl in a very demeaning and sarcastic manner, asking me " How does it make me feel to be in so much debt? '' I had enough of the psychological interrogation by this point. I asked again to please just provide me with the information that I need to file and she REFUSED to help me. Instead, she kept asking me over and over and over and over and over again, the same question and I began to cry, had an XXXX XXXX and told her I had XXXX XXXX   because she was harassing me. I was being oppressed. She intentionally caused me to have XXXX and I begged her to stop. I stayed professional throughout this while grueling experience. Her exact words were, " I'll give you the information you need once you answer my questions. '' I eventually told her that I was disconnecting the call and did so. I then sent an email to the corporate office that same evening and copied the compliance officer. I requested a call back and received no call. The following week, I sent a formal complaint to their office from their website. I still have not received a phone call back. Their email address is XXXX and the compliance officer is XXXX. 
I do know some about the FDCPA and know that a collector should not intentionally cause harm and anxiety to a debtor. This was intentional. Asking the same inappropriate question over and over again- many times-and continuing to do so even after they were told they were causing me unneeded stress.
On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you