WillisBack/dataset-financial-user-claim huggingface dataset:
I went from owing {$800.00} ( something ) to owing {$1200.00}. The interest on the loan is@4.75 %, even with missing payments, it does n't justify the increase in the loan amount. Also, I can no longer see what was owed when payments were made.
I received a copy of the condition report and the amount due on a lease from Chase. There was NO damage to my car except the pitted windshield claim for {$20.00}. I am appalled that they can lie and add these charges since they probably think no one will complain. I dropped car off at a XXXX dealer and there was NO damage as they claim. Additionally if they claim that I did not do the voluntary pre-inspection, they made this impossible to scheduled for a full time working single mother. They should be liable for these lies. 

Additionally - It does not cost {$350.00} to fix a " light scratch '' and please see the other charges in the attached paperwork. The prices are outrageous and NOT in any paperwork I signed.
Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.
On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.
This company ( SANTANDER ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7400.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Central Credit Services has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.
I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.
I received a form letter from American Express today to inform me that the APR on my card is being increased to 16.49 effective X/XX/18. The reason listed was because my current APR is lower than average APRs on similar cards in the marketplace for consumers with similar credit profiles. 
The notice gave a number to call with questions, so I called American Express to ask why given my 17 year relationship, the fact that I have never been late and my credit profile ( as they referred to it ) has not changed in the past 12 months. 
The agent I spoke to said that I was unable to dispute the change, although she did acknowledge my tenure as a customer. 
Additionally I had to ask specifically for my current APR, which is 12.49 % to have American Express acknowledge that they are increasing my APR by 4 %. 
The notice I received in the mail did not list my current APR and demonstrate and adequate basis for a 4 % increase in my opinion. 
There appears to be an ineffective process at American Express for consumers to complain about changes at a personal level. 
I object to the increase and I am asking American express to acknowledge my tenure and performance as a customer as a reason NOT to increase my APR by 4 %. 
The letter provided is a " boiler plate '' FICO based decision as far as I can tell and there has been no change in my credit profile over the past 12 months. 
Moreover, I actually use American Express to monitor my credit profile and have done so for a number of years, so I know my credit profile has not changed.
my previous compliant # XXXX XXXX XXXX called me over a week, because we have time zone conflicts, I tell her email me instead. 
Finally I have to call her and get hold with her yesterday when I take time off work early. She told me she already replied your department, but when I checked today it still show open. 

The email I send to her yesterday and try to copy your office as follow : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX XXXX, I spoke to you today and here 's the statements I copy from XX/XX/XXXX, which proof I have POA since XXXX and XXXX 's accounts open at Bank of America more than 15 years, it never has to get POA appear at statements. 

Your bank mail us statements last month start separating the checking and savings. Instead each month I should get one set statement for each son, I have 4 statements in separate envelops. 

I simply request the following two : Did not want POA show at statement. 
Have savings and checking statement combined each month. 

Please let me know if it can or not? If you can not fulfill my requests, please give me reason why? Any bank regulation states that POA must appear at banking statement as account title? 

Waiting for your reply either by mail or email, do not call because we have time zone conflict.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Company included is Transunion. They have charged me XXXX dollars a month for their credit monitoring service. I do not remember signing up for it, but it isn't my complaint, as I know people click click click and do things they don't mean to. I cancelled the service around 2-3 months ago. I received the message on their website " you have successfully cancelled your service, it'll continue until the end of the month '' or whatever. I check my credit card again, and it's being charged from transunion again. I go back and repeat the process. There are a couple issues with their process. It's impossible to find the cancel subscription option from the profile page. I can not delete my credit card from my profile so the issue doesn't happen again, and I can't delete my account without calling them during the day. They need a delete credit card option, along with a 'cancel subscription ' option which is accessible from within the profile and isn't hidden through some backdoor. Further, their option to cancel the subscription needs to work and not continue regardless of what I'm asking of it. I missed 7 months of XXXX dollars which is adding up quick. There are no visual indicators, after the initial message, that my subscription has ended. How do I know if i'll continue to get charged next month? I literally don't know if what I did worked until it either happens or doesn't happen. You can tell from the screenshots that the transunion cancel subscription url is similar to the profile page. I couldn't find the page from within the profile and had to do a XXXX search on how to cancel the subscription. Upon navigating their website, you'll see what I mean.
Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.
Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!
I was in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and I have a total of nine student loans : two Stafford loans and a Plus loan from XX/XX/XXXX-XX/XX/XXXX, and six Direct loans from XX/XX/XXXX-XX/XX/XXXX. I am on a Pay as You Earn plan, and all of the loans are serviced by Pennsylvania Higher Education Assistance Agency ( PHEAA ). Every year, I have re-submitted my IDR request on time to re-certify my income for the purpose of determining my student loan payment. <P/>This year, when I timely submitted my request for income-driven repayment ( XX/XX/XXXXIDRrequestreceived ), either the Department of Education or PHEAA failed to apply it to all of my loans, applying it only to my XX/XX/XXXX-XX/XX/XXXX loans and not y XX/XX/XXXX-XX/XX/XXXX loans. ( See attached documents -- XX/XX/XXXX for the loans PHEAA correctly applied the request to and XX/XX/XXXX for loans it failed to apply the request to. ) As a result of this oversight, my student loan payment has gone up to over {$1000.00} because my new income information was applied to all of the loans. I have tried to make approximately the loan payments I would owe had my account been handled correctly. However, PHEAA has on some occasions applied my payment partially across all loans, causing all of them to incur late payments ( see XX/XX/XXXX ). Every month, I try to pay what I should owe and every month I receive a notice that there is a delinquency on my student loans ( see XX/XX/XXXX ). It appears that in XXXX PHEAA applied the IDR request to my XX/XX/XXXX-XX/XX/XXXX loans ( see XX/XX/XXXX ), but the delinquent balance remains. <P/>I have contacted PHEAA twice to request that the agency properly calculate my student loan balance, remove the portion of the balance in default, and mark my account as current. The first time, the customer service rep suggested that I put my loans in forbearance -- I of course declined because this would have capitalized the outstanding interest on my student loans. Both reps said they would take care of the situation, but every month, I keep getting late payment notices ( see XX/XX/XXXX ).
I have had to send validation request to Equifax on some medical bills due to request from collection agency going unanswered. This request to Equifax was sent over 30 days ago by certified mail. XXXX deleted these accounts from XXXX XXXX as they could not be validated. Equifax has failed to validate these accounts and has not followed suit with the other credit report agency.
CREDIT ACCEPTANCE CO - {$9600.00} openedXX/XX/2013 ( 5 yrs, 6 mos ) this loan has been on my credit for five years, i have never been approved for a car loan this account can not be mine. please help [ me remove this from my credit report. it is showing on my XXXX and my XXXX. i have been fighting to get this taken care of for years, i need your help thank you.
I tried to link my XXXX credit cards using a third-party financial app ( XXXX ) and was told that XXXX wo n't allow this. It is my right to use my financial data how I see fit. Especially when credit card companies and everyone else are giving my data to security sinkholes like XXXX who then get hacked. I do n't want or need my financial data to go to XXXX but I have no say in that, either. At least I should be able to monitor my accounts in a way I feel is best. XXXX should not be able to block this.
This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.
In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.
Equifax INC is currently reporting an account on behalf of XXXX XXXX XXXX. The account is listed from XXXX XXXX and did not arise from a signed contract with myself and XXXX XXXX. The information listed on my Equifax credit file is inaccurate and incomplete. Attempts to resolve this matter with both companies have been unsuccessful.
This collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now. 
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments. 
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.
XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx
I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.
I 've tried to increase my amount for payment with Naviet, which is virtually impossible. I am paying interest upon interest, and have called to her crease my amount which I can not separate towards principal. I have had automatic draft but I can. It change my draft date so it is drafted the same day and thus if it takes 48hrs to post I am then added additional fees that are then capitalized. I 've called to ask to have my draft date changed and they say they can only change to due date not the draft date. It 's unfortunate to have such a deceitful could no any taking advantage of so many college students. This process should not be that difficult, but they make it all most impossible to be able to reduce your debt without any penalties or red tape. I hope this company is investigated for all their corruption.
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Chase issued XXXX notices back in 2013 for some charge off accounts. I attached these forms to my taxes and paid my tax liability on it but they continued reporting the negative information on my report with an outstanding balance.