WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with XXXX which is financed by Comenity Bank. I purchased several items under an advertised promotion which was 0 % interest if promotional purchases are paid within 6 months. If not paid in full, by the due date then you have to pay all interest that you would have accrued. That is fine. Because I am a compliance professional in the banking industry and understand how these promotions work with payment allocation and the high risk for UDAAP these types of programs create, I checked the balance on the promotional amount after several payments and it was n't being applied to the promotional amount, my overpayments were being applied to the revolving balance. I was paying more than my minimum to pay off the promotional balance but it decreasing the promotional amount. I had to call in and request that my payments were allocated to the promotional amount. There are several consumers I 'm sure who are not aware of the CARD ACT and how these promotional offers work. XXXX and Comenity should do a better job of explaining this to customers because otherwise, most customers will end up paying on the revolving balance instead of the promotional balance.
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX  they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and XXXX XXXX and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Dear Freedom Mortgage, Your correspondence dated XXXX XX/XX/2018 the postmark was not applied tell the XX/XX/2018. We are unable to determine when it was actually provided to the US Mail service, as the postmark is not canceled. 
Your correspondence denotes the use of bill pay of which is not used by the borrower. Thus highlighting the fact you are not understanding or reading the correspondence sent to you. Your correspondence states that enclosures are with the correspondence but there are none. As you received payment for XX/XX/2018 and failed to credit the payment thus causing a late payment in XXXX and XXXX the late payment is due to your actions not the borrower. Wherefore the payment did and was verified to have made to your bank account thru your action of depositing the check, you did receive payment. Therefore your actions of demanding a late fee '' and inspection fee '' are fraudulent. You have had sent to you copies of the canceled checks for the month of XXXX and several months prior to XX/XX/2018 showing that you did in fact receive payment. Your choice to ignore the fact you did receive payment and make claims of late payment to credit agencies to damage the barrowers credit represents your flagrant dishonesty. All contact shall be thru correspondence.

Freedom Mortgage shall provide to the borrower thru the US Mail an FULL accounting of all funds received and dispersed from the inception of Freedom loan # XXXX ( XXXX XXXX # XXXX ) showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made. All disbursements shall be clearly described. The description shall not be deceptive, the term fee or other shall not be used.
I incurred medical costs out of pocket of {$1300.00} to XXXX hospital XXXX of XXXX VA for XXXX XX/XX/XXXX. I paid without missing about {$100.00} per month and the balance was down to {$260.00} by XX/XX/XXXX when monthly billing by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. suddenly stopped coming. I had to fight to get subsequent monthly billings with the return envelop since XX/XX/XXXX. Now the bill is down to {$65.00} and XXXX has forwarded this debt to United Consumers , Inc. ( UCI ). 

I explained to a rep at UCI identifying himself as " XXXX '' that I simply need a final billing statement with the {$65.00} outstanding balance and I can send them the money and close this debt but UCI over the past 2 months have been promising to send this but have not. I suspect that they 're trying to obtain attorney and collection penalties from me some time soon when I have not been negligent and have been trying to close this debt if only they will stop playing games and send me the final bill and return envelop immediately. 

This is all I ask so that they ca n't scam me with anything down the line in terms of late penalties, interest, or attorney fees on this {$65.00} debt. There 's also been some misrepresentations on the origins of this bill and the amount which I wo n't bother going into. But I will say that there 's been some finger pointing and blaming at each other when I 've contacted XXXX hospital, the initial claimant, XXXX and UCI. The account number in question is for Acct. # XXXX for XXXX and XXXX and # XXXX for UCI. 

Thanks
Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.
For XXXX this past year, my parents bought and gave me a XXXX gift card worth {$100.00}. When I tried to use the card, I was told that the balance was {$0.00} even though I had not previously used it. When I called XXXX, they told me that a purchase for {$99.00} had been made at a XXXX XXXX in Florida. I did not make this purchase. Somehow, card information was stolen and used. XXXX told me to file a fraud claim and submit the relevant paperwork ( proof of purchase ), which I did. I was then contacted by Blackhawk Network, who I assume is contracted out by XXXX to handle these types of claims. Even though I had already submitted a copy of my father 's bank statement showing the purchase of the XXXX gift card, Blackhawk Network asked for the receipt. I told them that my father did not keep the receipt. I recently received a letter from Blackhawk Network saying that, because they did not receive the receipt, they " are unable to validate [ me ] as the cardholder. '' ( I already submitted to them a picture of the front and back of the XXXX gift card. ) They said that my request is " considered invalid and no further action will be taken on [ their ] behalf. '' After receiving this letter on XX/XX/2018, I called Blackhawk Network, and the only option is to leave a message ( I can not reach a live person ). They said that my call would be returned within 24 hours. To date, I have never received a call back. Blackhawk Network and XXXX are engaging in unfair business practices and abusing consumers. This is not right, and they should be held accountable.
I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
This is a follow-up to XXXX which I filed two days ago. Today my Transunion credit score decreased another 11 points for a total decline of 98 points in two weeks despite the absence of any new derogatory information and the absence of any new credit inquiries. Positive information was added and several minor bits of derogatory information aged off. The only changes that accompanied the 11 point drop was the  removal of an old missed payment and removal of the last-first-middle variant of my name ( which is also listed in first-middle-last order ). I continue to believe that the 98 point drop is some sort of retaliation for previous CFPB complaints I've filed against Transunion or the numerous requests I've made over the past year to, successfully, remove various bits of incorrect and outdated information from my credit report.
They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP
TransUnion Credit Reporting company - signs up the user automatically for a {$20.00} per month " credit monitoring fee '' when simply visiting the site to understand the current report. 
This large company operates a very misleading and essentially fraudulent web site as it implies it is advancing to the one free credit report, but it is actually signing up the visitor for a pay as you go service. 
They did cancel the account for me after I called and spent time on the telephone, but they should not have any license to operate as they intentionally mislead the public regarding credit reports. 

I hope they are removed from any activity within the financial reporting system in our country. They are a complete fraud
NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.
XXXX  File Number : XXXX Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
The Original open date is XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$2300.00}. Then the amount was changed in XX/XX/XXXX to {$2300.00}. 
This account is not mine. I have not been a patient at XXXX XXXX XXXX since XXXX.
On XX/XX/2018, we received an ordinary mail from Chase, apparently a credit card account was opened through XXXX XXXX, ending in XXXX, and we were charged XXXX annual prime fee. We are XXXX XXXX members but were unaware of this credit card account or the fee. 
We called the number on the Chase bill given us, spoke to several representatives with XXXX accents, and found out this was a legitimate fee, but no idea why the credit card account was started. We were less upset, but really have cut out unnecessary credit cards and asked to cancel this card The representative assured us the card would be cancelled and the prime fee would be transferred to our other credit card acoount, actually also from Chase, ending in XXXX. He asked out email to send us confirmation. 

Today, we received another bill from Chase for the XXXX account. We called the number provided on the chase bill again, bounced to security department who would investigate the charges BUT THEY SAID THERE WAS NO RECORD OF THE FIRST PHONE CALL! 
I was willing to pay the XXXX, but was sure i gave our othe rcredit card to the first caller and felt this had to be resolved, Why had they no record of my call? would this happen again when i hang up? who did I give my other credit card info to? 

I couldn't get them to give me a confirmation number, or case number to prove we had called today. They said they have adequate records by recording the call and placing a memo in my chart. They also stated they would send me a letter confirming they cancelled my account, but no other proof we called was offered. After an hour on the second call, I am no further along, as i have no proof that I have paid these charges or cancelled this credit card other than THEIR word on the phone. This is the number I called the first time. 
Please help
On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time
Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.
Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).
On XX/XX/2018 XXXX XXXX PayPal Placed a limitation on my partners and I account. They requested documents that I submitted and even have phone recorded conversations that the rep admitted that they received all documents he just needed for me to resend an invoice that he couldn't see it that well. On XX/XX/XXXX PayPal closed the account saying they didn't want to do business with our company and they were keeping the funds on hold for 180 days. This isn't right especially when buyers have agreed with our store refund policy which states they can get a refund in 30 days. My partner added me to the account before they closed it I have updated On XX/XX/2018 we spoke to an representative from PayPal about adding me XXXX XXXX XXXX to the account the rep said ok she would email us to show how to do this On XX/XX/2018 XXXX is when we received the email showing how to add a user to the account. There isn't any reason for PayPal to be holding on to the for 180 days. We are requesting for them to release the funds and may it available to use in the 30 days that the buyer has agreed to. This is the second time I'm putting this request in because PAYPAL LIED and stated I wasn't on the account as you can clearly see I was added before the account closed and I have several phone recordings.
Hello I have a loan and pay to navient. Just recently I looked over a payment and noticed that when they received the loan from where it was I owed XXXX it was the principle payment owed. I have that on a receipt of payment I received last XX/XX/XXXX. I trusted this company thinking they would help. I now notice that my balance is XXXX. When calling them and asking them about the issue they told me that when I put it in forbourance from XX/XX/XXXX to XX/XX/XXXX that the interested from the old company was added. I don't believe this is right. I can't even look up and see where it came from and why it didn't come right away with the loan. Also told me while it was in forbearance it was collecting interest and they never told me that. I was told since I was trying to get into school it would be the best idea. I pay my payments on time. Ikm trying to get out of this debt and fix my credit. People think it isn't alot of money owed when I ask for help but to me it is and if they are XXXX me over I need help. When looking into it I found that they have been dishonest and have lawsuits out. Please help me I don't no how else to fight it. The person on the phone was giving me wrong information she didn't even no what she was talking about. I received this loan in XX/XX/XXXX so I no it could have collected interest but they can't tell me anything all they kee0 saying is loom online. I am trying to dispute it because I believe they are frauding me. I look forward to hearing from you and hope you can help. 
Thank you XXXX
It appears that on XX/XX/2018 Equifax was mistaken or outright lied to the CFPB in CASE XXXX in their response OR that information has reappeared after removal.