WillisBack/dataset-financial-user-claim huggingface dataset:
I received a XXXX alert a few weeks back regarding a debt collection agency ( Diversified Consultants, Inc. ) trying to collect {$500.00} from me, for XXXX. I contacted XXXX to obtain more details. XXXX, with me on the line, contacted Diversified Consultants, Inc. asking for more details. Diversified stated they were trying to collect on a debt from 6 years ago for XXXX. They provided little information but, because the account wasn't mine, they sent me a " fraud packet '' through the mail. After receiving the " fraud packet '', I notice they're asking for a copy of my DL, bank statements, proof of where I had lived 6 yrs ago, police report, and the packet needed to be notarized. Today, I contacted XXXX directly making them aware that this was not my account. I asked what cell phone number the account was under. They wouldn't give that information to me. I asked for a copy of the contract. They stated they didn't have that available. Frustrated, I then contacted XXXX  to dispute the account. The person I spoke with stated that they don't need proof from XXXX in order to leave the debt on my credit report. This is outrageous. XXXX demands I pay them {$500.00} for an account that isn't mine. XXXX adds a derogatory remark on my credit, yet will not provide me any supporting documents - no copy of a contract nor the supposed cell phone number. XXXX  isn't demanding proof of the debt either yet they insist on leaving the derogatory remark on my credit. In six years, I hadn't heard of this debt - I had not been contacted at all over this. Suddenly, I'm being bullied over a debt that isn't mine and I'm receiving absolutely no assistance.
We purchased international travel tickets for travel on XX/XX/XXXX ( XXXX flight ) on XXXX XXXX. The flight was purchased on Citicard ending in XXXX. We live in XXXX NJ area and our flight was from XXXX. While traveling to XXXX, we encountered an accident on XXXX XXXX that unfortunately took 3.5 hours travel time from home to XXXX  instead of the usual 2 hours. We reached 1 hour before departure time by which time check-in was closed by XXXX causing us to miss the flight. We asked XXXX to accommodate us on next flight at XXXX that same day. XXXX stated that we should call customer service using XXXX, which we did. They stated will do so with a change fee of {$700.00} ( vs. a base fare of approx {$2100.00} ), which is a substantial change fee for same day flight accommodation. We paid the fee using XXXX on their website ( receipt sent to Citicards ).  Yet, no ticket was issued until XXXX that day. We called XXXX about 10 times ( 10-40 minutes call each ) but ticket was never issued. We came back home and tried to pursue  the matter next day but to no avail. We then had no choice but to buy new tickets for same travel itinerary on XX/XX/XXXX. We disputed the transaction with Citicards but they stated that XXXX considered this as a loss of revenue for them justified not issuing the ticket. We sent documents to Citicards showing that our class of fare allowed for a change and that we had paid {$700.00} change fee. AT that point Citicards stated that time or a resolution had passed. We had filed a dispute within a few days of travel date. We have called Citicards at least a dozen times since XX/XX/XXXX when they sent us last communication. They keep saying they will look into it in next 4-5 days but never do. The airline has violated the terms of its contract clearly : first the original contract allowing us to travel with change fee, then contract governing the change fee when that change fee was paid. Both value of original ticket and change fee was made 0 by airline in violation of its own contracts. Since this case is a glaring example of lack of consumer protection and customer advocacy as well as a clear malpractice by not just the airline, but more importantly the credit card which is expected to protected the consumer in such cases as advertised the credit card company, we want to escalate the matter through BBB. Case details in Citicard system are as follows : Card # XXXX ; Case ID Numbers : XXXX and XXXX
This is my XXXX time submitting this complaint:1st submission for dispute : Merchant : XXXXDispute : I requested for Capital One to investigate the merchant and their breach of service. 
- I supplied all supporting document that is clear and concise to the merchants scam - Documents included in the submission that supported that there was " No Service '' provided. Furthermore, it is against the law for a merchant to hold onto a retainer fee for liquidated damages XXXX ) Result:1. Capital One validates in their decision the illegal use of signature ( forgery ). By upholding this ruling Capital One fails to comply with the Fraud Liability Policy mandated by the FTC2. Capitol One acknowledges and validates the use of fictitious documents used to support the merchants case. This also fails to comply Consumer Protection Laws that protect me from merchant scammers such as XXXX " Who Falsely Promise to Provide Services '' - FTC Statue
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
On  XXXX   XXXX , I suffered a total loss of  Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to Equifax on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  AGAIN reported to Equifax that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous comp laint ( Complaint Number   XXXX  ) was filed against equifax on  XXXX ,  XXXX .
On XX/XX/2015 I was in XXXX at a sales presentation in a neighborhood my wife and I did not feel safe. The salespeople were pressuring us heavily and we were uncomfortable and trying to find a way out of there safely. I decided to call American Express to see if we could cancel or dispute the charges if we signed the agreement and was assured this would be no problem. I was told just to contact American Express if we changed our mind. In fact American Express even approved a charge in excess of our limit. Needless to say we signed paperwork and got out of there as quick as we could. I called American Express when we got back to the hotel and explained our situation again. I was told it would be no problem and to follow up with a formal dispute when we returned to the United States. Wow what bad advice as if they would have told me how their dispute team works, I would have risked going back to the merchant and provided written notice of a cancellation request. 

What I found out after returning home is that American Express refuses to honor their promises to me. Since we provided written notice 6 days ( instead of 5 days per XXXX law ) to the merchant there is nothing they could do. They didnt care if we made the charges under duress, they didnt care if the American Express representatives mislead us. I was told they are just a middle man and if the merchant demands payment we are out of luck. I have disputed this charge multiple times with no resolution. Finally after a year I disputed the charges as fraud as I have never even received access to the timeshare in question. To my further disbelief, the merchant responded that there are no refunds and that 's the paperwork I signed and American Express accepted that answer even though no services have been offered or provided. 

So not only did American Express not honor their promise to protect me when I called immediately before and after the purchase. Now a year later they refuse to help me when I have never been delivered the services purchased. Their stance is they cant do anything. XXXX they earned foreign transaction charges and interest on and they ca n't do anything. The only reason I signed the agreement in the first place was I was assured I could reverse the charges and felt it was my safest way out of a dangerous situation!
Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.
I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.
I have received recent credit reports from XXXX, Transunion and XXXX. On them, I am seeing several hard inquiries that I am not familiar with. I have not applied for credit in over 3 years, yet new inquiries are on each credit reporting companies reports? I have not authorized any such permission and my account should be on a fraud alert, triggering someone to contact me.
After a year of on-time and high value payments on my account. I made a $ XXXX payment to my XXXX credit limit to provide a positive improvement to my credit profile and the bank immediately withdrew my credit limit of the XXXX and lowered my limit to $ XXXX almost instantaneously. This is an ongoing issue that many customers continue to experience with Synchrony Bank which as a result has provided a major negative impact on my credit profile. These activities are malicious in nature and result in sever and negative reports on our credit profiles. I called to understand why this happened and while 90 % of the representatives were off shore, everyone said it is a computerized decision and no credit team can be contacted or reached to further understand this negative action against my credit. I am completely left powerless against this agency and my credit is now further negative impacted by their actions.
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Several months ago I moved and attempted to update my address with PNC bank. The initial request on their website did not go through. Around the same time I filed for several chargebacks for unauthorized charges. Because of this lack of change in address and the very short periods of time that they expected me to reply in ( From the time that it was received at my old address I often had less than a day to respond if the date had already not passed ). I thereafter contacted PNC on at least XXXX separate occasions requesting that they update my address - Via phone, mail, online, and in person at XXXX of their branches - My address has still not been updated more than XXXX months later. Because of this I have was unable to complete the disputes " in a timely fashion '' and they were closed. In addition these disputes are now ineligible for me to file again because the XXXX filing period has passed. As such I am now out over {$2500.00} because of their mistake - They have now closed the account and are attempting to collect this amount ( The provisional credits for the disputes were reversed because of a lack of a timely response ).
Many complaints and certified letters to Transunion XXXX and XXXX requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX  Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
I had a repossession in 2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.
Experian relied back to where I filed a complaint on XXXX/XXXX XXXX regarding my loan with XXXX XXXX   showing incorrect as well as late shows and wrong information showing. Experian when replying back to CFPB needs to have the right information and stop replying back with wrong information pertaining to this account. I talk to a manager for XXXX and he explain to me they was updating the information to send to Experian for the correct information that should show on the credit file. I spoke to a manger on XX/XX/2018 regarding the situation and I was told it was over in the credit department to be adjusted correct and Experian was getting sent to Experian to be updated. And was informed that Experian also was or reported the wrong original amount of the loan as well.XXXX  is no longer XXXX it is XXXX in which took over Formerly XXXX  change names as that information is wrong as well by Experian nor has Experian provided proof documented as to the issue
On XXXX/XXXX/16, I received an online alert from XXXX Credit monitoring for which I am a subscriber. After reviewing my credit report, I noticed a new collection account for STELLAR RECOVERY INC that was reported via XXXX ( account XXXX ). I obtained my free credit report from XXXX on XXXX/XXXX/16 and filed dispute XXXX. On XXXX/XXXX/16 XXXX removed account XXXX from my XXXX credit report. On XXXX/XXXX/16, I received another online alert from XXXX Credit stating that STELLAR RECOVERY INC reported the same account that was previously deleted from XXXX to XXXX on XXXX/XXXX/16. I have previously called STELLAR RECOVERY INC and there only methods for disputing an item directly with them is to email your social security number via unsecured public email or to call an answering maching and leave your social security number. Neither of STELLAR RECOVERY INC methods for communication are reliable, documented or secure. I am deeply concerned that STELLAR RECOVERY INC is shopping credit bureaus to solicit a settlement for a debt that I do not owe. This unscrupulous behavior is harrassing and time consuming since they are bouncing the debt around to varying credit bureaus. The contact information for STELLAR RECOVERY INC is as follows : Stellar Recovery Inc, XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX Phone : ( XXXX ) XXXX.
Due to a late payment in XX/XX/XXXX ( the only late payment I have had in recent years with AMEX, of which I have been a member since XXXX ), according to AMEX I " triggered the Penalty Annual Percentage Rate on your account. The Penalty APR is currently 29.74 %, which is based on the Prime Rate plus 25.99 %. '' I was previously charged 17.74 % interest, so this is an increase of almost 70 % on my interest charged - the penalty interest rate applied was actually 29.99 %. This penalty interest rate, according to AMEX, is to be reviewed every 6 months. This penalty interest rate was applied to my account from the XX/XX/XXXX billing cycle to XX/XX/XXXX - a total of 11 months. The interest rate applied as of XX/XX/XXXX is 18.49 %. 

I requested an investigation with AMEX ( Job ID : XXXX ) on XX/XX/XXXX that included a request for refund on all extra interest paid under the abusive 29.99 %. As of XX/XX/XXXX I have no resolution and no response from AMEX - 102 days later.

I have tried to resolve the issue with AMEX directly with numerous calls since XX/XX/XXXX. Every time I am told to call back, my case is pending review. I called again today, XX/XX/XXXX. Upon being told the same thing ( pending review ), I decided to appeal to cfpb for help and a resolution.
I do not owe this debt. Apartment rent was paid in full, lease was expired and apartment was left in good condition. I paid a deposit which should have covered any normal wear and tear that the apartment wanted to charge for.
I had complaint revolved with XXXX XXXX. The amount of XXXX was zeroed out and now the XXXX is showing as a collection on my credit report in the amount of XXXX. The other two credit bureaus deleted the information from credit history, because they were not able to confirm the information from XXXX. I have attached the documents showing that XXXX and TXXXX The resolution with XXXX through the BBB is attached and the highlighted portion shows the arrangement.
I have accounts showing current all year in XXXX. Then in XXXX Equifax changed it to show lates. If I was current all year long how can they go back after the year is over and changes it to late payments.
This is a complaint to help protect other card holders of Capital One.
I had paid, balance in full and on time, all of my credit cards with Capital One and other credit card companies. Capital One was the only company to charge me interest and post another bill with a balance. I called Capital One and informed them that I had paid in full by the due date. That I would appreciate if they could remove the charges for interest.
They took care of all 3 of my accounts and reversed the charges. Which would have totaled over {$130.00}. My concern is how many consumers would just pay these charges and not know to call to have them reversed? Would this be considered unlawful? I would think that Capital One could adjust their program to payment in full would cancel the charges? How do other credit card companies handle this and not forward another bill for interest?
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Thank you for your attention to this matter.
Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.
Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX   XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's  Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.
I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.
I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.
Citi Bank canceled my credit card on XX/XX/XXXX but did not provide complete written notice until XX/XX/XXXX, so effectively they canceled my card without providing any notice. This action is unfair. When I called to have my account reinstated the associate advised that they couldn't offer the exact same product and would have to re-pull credit reports. She further advised that these could be pulled from all three major credit reporting agencies. My credit is frozen due to the XXXX   breach so I would incur a fee to unfreeze each file with each credit agency, then pay another fee to refreeze each after Citi pulled the credit reports. Citi 's actions would cause me an undue burden and are unfair. 

What Citi should have done is provide 30 days notice to allow time for review, but since I am next to powerless in the face of a huge financial institution I received the courtesy of canceled with no written advance notification.