WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.
Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.
Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. 
The account number in question is XXXX Thank you for your intervention. 
XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX
Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
On XX/XX/2018 JPMorgan Chase Bank closed my personal and business credit cards. The reasons of closing the accounts by the bank are the following : 1. Rapid increase in revolving balances 2. Too many requests for credit or/reviews of credit I called the bank and explained the reason No. 1 as My business is growing so my buying power is going up but at the same time I am paying my balance in full amount every time I buy and I auto full pay my credit cards from my business checking account. I am never being late from the day I got these credit cards from JPMorgan Chase bank.

For reason No. 2, the bank told me that I am requesting too many credit cards every month and I was shocked and told them that I did not do that. So, they told me to contact the credit bureaus. I called the XXXX Credit Bureau to send my credit report to me. After looking at the report, there were 21 inquiries for credit cards which I have disputed with them and they deleted those 21 inquiries from my credit report. 
After that, I called Chase bank to reinstate my cards. The supervisor asked me about what I am buying from XXXX wholesale and where I sell those merchandise. I provided them all the detail information about my buying and selling. They told me they going to review my application again and will get back to me in four to five hours. After thirty minutes, they called me and declined my application. The reasons they gave me now are the following : 1. This account and/ or related account was closed at the banks request.

2. Rapid increase in revolving balance. 
I explained them about the rapid increase too many times and they agreed but not opening my account. My business is affecting from XXXX XXXX till now. I do not want to go to another bank and start from zero.
Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.
XXXX XXXX XXXX XXXX ( hospital ) incorrectly billed me for procedures that did not occur and then sent those incorrect charges to a collection account. I advised Equifax and provided documentation that I did not owe the hospital, they refused to remove the collection account. The XXXX XXXX XXXX XXXX finally resolved the issue in my favor and told me that they would remove the collection account. They sent me a letter to that effect dated XXXX XXXX, 2015. I was told to allow Equifax XXXX days to remove the collection account. Now, since over XXXX days have passed, Equifax has STILL not removed this uncalled for negative rating. I was recently denied credit by XXXX XXXX and have a letter from them indicating Equifax still has not removed the collection account from my record. This has caused me a great deal of embarrassment and distress trying to deal with a company that is completely unresponsive to reporting the truth and has soiled my credit rating without cause.
I just received a credit report from Equifax. I immediately called them to dispute hard inquiries on my credit report that I had not initiated. I informed them that it must be fraud because I had not initiated the inquiries. They informed me that they were not able to take them off and they do not do investigations on inquires. They basically told me that they would have to stay on my credit report for 2 years. The following inquires are on my credit report and I did not initiate them : XXXX, XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX : : XXXX.
This is my 2nd complaint against American Financial Resources , Inc. within 4 months for the same problem. I received a notice in XXXX stating my escrow account was low and to either pay a full payment of {$750.00} to escrow or it would be added to my payment amount. I paid the full amount before the deadline. I got a new insurance policy at the end of XXXX, same terms with a cheaper premium. Sent in all of the required information within 2 days. Paying the full escrow amount and changing our insurance carrier reduced my overall payment amount. AFR did not make any changes to my account and I was forced to pay what they said so that I would not have any late payments on my credit report or even risk dealing with a foreclosure notice. After everything was finally updated in XXXX, AFR has still neglected to reimburse the overages paid. My last complaint stated to reimburse the overages of {$120.00} and pay directly to principal. I sent an email to customer service on XX/XX/XXXX and there has been no response. Nothing has been done.I am paying AFR more money by paying interest on a mortgage balance that is incorrect. Since it seems impossible for AFR to transfer the extra money to my principal balance, I want the overage sent to me either in a check or direct deposited back into the account in which it came from. If this is not done in a timely manner, I will be forced to hire an attorney and sue for damages. I have experienced nothing but problems since I was approved to buy my house. The application process is a drawn out joke and financing through American Financial Resources , Inc. is just the same. Customer Service Reps do not know what is going on but they will argue with you to the death. I had one lady argue with me to the point that she was actually screaming at me.
I HAVE A COLLECTION FOR XXXX XXXX AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,
I submitted a payment in full to my XXXX XXXX XXXX for {$XXXX}. With the payment I submitted a copy of my statement. The check has my name and address that is on my account. The payment was received by XXXX on the morning of XX/XX/2018, and the funds were debited on XX/XX/2018. The payment however never posted to my account. I have contacted XXXX 's multiple times and they say they have not received a payment and opened up XXXX different cases to try and locate the payment. XXXX is calling/emailing daily that I am past due and assessed a late fee on XX/XX/2018. 

Today I called again and was told the payment went in to their " general ledger '' because they could not identify an account to submit the funds to. I was instructed I needed to submit a formal claim to get the money back since they couldn't apply it to my account. They asked that I send a copy of the original check. 

At this point XXXX has cashed the check as of XX/XX/2018, but they have neither applied the money to my credit card account nor will they refund the {$XXXX} so I can make a new payment. Please help!
I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.
I had a fraudulent charge from XXXX XXXX, on my business card, in XX/XX/2018. I filed a dispute with my credit card company ( XXXX/XXXX ) They immediately removed the fraud charge, cancelled my card and sent me a new card, new account number. Great! Then in XX/XX/2018 I see a charge on my new card for XXXX XXXX and I call my bank to let them know that this is not my charge, They tell me that the charge went back on because of the " card updater program '' and even though it was originally a fraudulent charge and was returned to XXXX along with a penalty they were able to charge my new card, because the original fraud charge had been a recurring charge. So i called XXXX and they would not do anything because they had to send me a code to my XXXX account, which I do not own an XXXX account, because it was fraud. Now I have to cancel my credit card again. I was told there is no way to opt out as a consumer from this program. So in closing, the consumer, who is paying has, no rights when it comes to the " card updater program ''. and that should be illegal.
on XX/XX/2017 and XX/XX/2017 your company pulled my credit again. I have been going through this for a year with you guys and its getting old and annoying. I dont know if their is a glitch in your system or someone is purposely running my information periodically. Please remove inquiries from XXXX and XXXX
My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.
Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!
I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.
XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.
I am a member of the XXXX XXXX and was mobilized to XXXX XXXX in 2018. Federal law requires that credit card companies apply SCRA benefits in these instances. Upon notification of mobilization, I filled out the archaic American Express SCRA benefit application and provided them with my orders. In the application I requested that the benefits be applied to both my Amex Platinum and Amex XXXX XXXX card. They only applied the benefits to my Amex platinum ( applying lower interest rate and did not charge annual fee ), but they did not apply them to my XXXX XXXX XXXX card. For several months, I attempted to request Amex resolve this and refund my annual fee that I was charged for the XXXX XXXX card. Eventually ( in XXXX ) it was determined that I would need to fill out another application to have these benefits applied to the card. I did so, however, they replied that due to the fact that the orders had ended they would not apply the SCRA benefits retroactively and refund my annual fee. This is absurd that they would apply them to my Platinum card and not my XXXX card, furthermore it's insulting that they don't recognize my mobilization to XXXX XXXX as qualifying for a fee refund. I inquired with several colleagues about this and not only did they have apply for SCRA relief for one card, but Amex also applied the benefit to all of the other Amex cards that they hold. Additionally, they were refunded ALL FEEs they've paid in the past. The fact that I am being singled out and not given the benefits required by federal law is insulting. I've now spent 5 full months trying to rectify this and the support that Amex has given me has been awful. I only have the federal government to turn to now to help me with this. 

Thank you
Company ( XXXX XXXX ) is reporting owed amounts of {$30000.00} on my XXXX and my XXXX  reports. This is debt from an S-corp " XXXX XXXX XXXX XXXX XXXX '' from over 2 years ago. This is what I was told by the original creditor, XXXX XXXX XXXX. I have sent many documents to the credit reporting companies for dispute. They have recognized that this isn't a valid " personal '' debt. Because I was a signer for the Company XXXX XXXX XXXX XXXX  XXXX, they have been harassing me for the past 2 years. And just recently decided to attach this debt on my personal report, which I am still trying to figure out how they were able to do this without my SS #. After this debt is removed by the reporting agencies, they intend to keep reporting it over and over again. This is a violation of Federal law to falsely report on one 's personal credit when the original purchase was through a XXXX XXXX XXXX # for an incorporated business.
Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months
I was filing my taxes online and was going to have them electronically deposited into my boyfriends account at Union Bank, in XXXX XXXX, CA. My boyfriend went to the bank and asked them to write down his account number and routing number so that I could put it on my tax papers. He then gave me the numbers that the teller wrote down for him for his account and I put them on my tax forms and sent them off, this was around XX/XX/2018. By XX/XX/2018 I still had not received my monies from the IRS into my boyfriends account. A couple days later it was showing as a pending transaction into my boyfriends account, so we figured the next day they would be in there. Well the next day the pending transaction was not there, and there had been no monies put into my boyfriends account. He went to the bank and asked what was going on, they told him they didn't know where the money was and that it probably didn't go into his account because my name was not on his account. They said it was probably sent back. Well needless to say, it wasn't sent back, it was put into the wrong account. The teller had given my boyfriend somebody elses account number, so when I put it on my tax papers that's where the money went to. Two more months had already gone by before I found all this out in XX/XX/2018, after I had the IRS track it and everything. So I get a letter from the IRS and TREASURY DEPT. Saying to the bank to return my money to me with a bank check. So my boyfriend and I go the bank with the letters I had gotten and all the proof and information needed for them to write me a bank check for my money. The manager tells us that it is all our fault the money got put in the wrong account, and we are to get it from the guy that the money went into his account. WHAT? XXXX!! I have never heard of anything so unacceptable in my life by a Manager of a Bank. They still to this date XX/XX/2018 have not returned my money to me. The Managers name is XXXX.
I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys.
This summer I rented a car through XXXX and they told me my credit rating was XXXX and rented me the car without a credit card. I also applied for a loan this spring and got it with no problems. Last week my credit rating was reported as XXXX on XXXX. Yesterday, I got a loan rejection from a credit card company who said my credit rating on Transunion was XXXX. 

What 's the point in having the ratings if they are so divergent?
I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, XXXX and Experian reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?