WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an account.
I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.
MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ... 
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER. 
WHAT DO YOU SUGGEST? THANK YOU. XXXX
About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help
I did not receive my payroll direct deposit and calling the customer service department did nothing to resolve my issue.
The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX
I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.
I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )
XXXX XXXXXXXX has been Posting & Distributing misleading advertisements without proper disclosure. In fact, there are NO disclosures on this advertisement. 
This is one of several advertsisements I have seen lately. 

It seems all that XXXX XXXXXXXX is arbitrarily running advertisements for mortgages and feels they are exempt from Fair Housing Regulations. 

This is DECEPTION at its finest and due to the number of these types of advertisments lately it seems XXXX XXXXXXXX is aware and has done nothing about it.
After refinancing my home in   XXXX   XXXX     with a different lender, I had a escrow surplus with my old lender Ditech. On   XXXX   XXXX   XXXX     I was e-mailed by them informing me that I have a surplus due me in the amount of  XXXX  for which to this date I have not received. For nearly 3 months I have spoken with  6 c ustomer reps and  4  managers to no avail.     XXXX   XXXX   XXXX     they informed me that they sent the check to the wrong addres s, 2  weeks later it was in the mail being reissued , 2  more weeks have passed with no check, this time I was told to give it time. This went on with me talking to managers  XXXX ,  XXXX ,  XXXX  or  XXXX  and last but not least a supervisor name  XXXX  who uttered the words " what is it that you want me to do '' ; " remit  XXXX  to me '' I said. still no check.   On   XXXX   XXXX   XXXX   I spoke to a rep name  XXXX . This  XXXX  informed me that her  manager  named,  XXXX  instructed her to obtain my checking account information so that this amount can be deposited into my account, this was my routing and account number, now here is the scariest and nervous moment thru all they 've put me through I still have n't seen no deposit into my account. This gives me sleepless nights, in addition to nearly 3 months of this horrible experience my checking info is somewhere floating around. Ditech whom I thought was a stellar performer when it came to customer service turns out to be all but that.   It seems  on  e hand has no clue on what the other one is doi ng.   STILL NO CHECK.
On XX/XX/XXXX I filed a complaint against Nelnet regarding their poor execution of e-mail notifications resulting in confusion, annoyance and hardship given conflicting information making it difficult to correctly budget for repayment. Nelnet has since reached out and explained that my problems were caused by having multiple due dates each month. The representative that I spoke with told me it was an easy fix and it could be done upon my request. Why this isn't automatic is beyond me. That discussion occurred on XX/XX/XXXX. On the same day I made a payment for the amount due shown on the website with confirmation number XXXX. Today, XX/XX/XXXX, I received an email notification from Nelnet informing me that my account is past due which requires " immediate action. '' I called Nelnet customer service and was told that despite my payment confirmation letter indicating an authorization and effective date of XX/XX/XXXX, in reality, it takes " a few days '' to apply. This, despite the money having already left my bank account. The irony is not lost on me that I spent three years in graduate school studying organizational leadership and process improvement and how have to use that education to criticize the very company that services the loans which paid for the education. As noted in my first complaint, asking that the company ensure their email communications are accurate and the underlying technology and operations which feed that process are correctly aligned should not be a big ask. This is fundamental to the operation of any business. Nelnet can and must do better.
Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.
I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. Also this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files ( XXXX, XXXX and XXXX ) and for this company not to sell this debt to anyone else so I do not have this problem on my credit bureaus again. They need to mark this as a {$0.00} and completely remove my information and DO NOT sell this to anyone else so I wont have to deal with this again in the future. I deserve to be sent a copy of this with a XXXX balance from the company.
XXXX XXXX in reporting an account that I have disputed for years. I have contacted the original company and secured documentation that the account is a workman comp account that workman 's comp insurance was responsible to pay and has.

I called XXXX XXXX ( collection agency ) and they confirmed and advised that they would request deletion. That was in XX/XX/2017. In XXXX, I asked for confirmation of the request or at least acknowledgement of the intent and reason, but they refused. That is against company policy according to customer service on more than one occasion. My goal was to secure documentation from them to provide to the credit reporting agency, In the meantime, I disputed this account more than six times and every time XXXX XXXX XXXX verifies the account as accurate. They continue to do so. 


I reported them to your agency and you believed that they were doing everything they could. you closed my complaint against the so now I'm requesting assistance with the credit reporting agency. They continue to report the account even after I provided documentation from the original company supporting my request to have item removed. 

XXXXXXXX XXXX XXXX to verify as accurate and Equifax refuses to remove it from my credit report.
First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.
First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.
LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.
I spoke to Dynamic collection agency on XXXX XXXX XXXX. I called the previous collection agency to obtain Dynamic collections information due to not receiving any notification that they had obtained my debt. Once I had their information I called them to settle my account. They would not accept my settlement, however, they proceeded to treat me very poorly including commenting on ability to pay in a disparaging way. I was over talked for much of the conversation along with the rude remarks that were made. I tried to explain that I had not received any communication in written form.
I opened a Google Wallet ( GW ) account and I connected it to a checking account. I received a {$1800.00} payment from a rental tenant and then GW shut down the account and trapped my money inside the account. GW 's reason for shutting down my account was that I violated the terms of the agreement. GW refused to share what actions violated the agreement and they also refused to give me a chance correct or clarify whatever terms I may have violated. GW stated they would refund the money to me in 30 days then and they stated 60 days so I have no confidence that their process is fair ; it is certainly not clear. Also, why does it take 30 or 60 days to refund my money after they close my account? Its my money, not theirs. If they insist on closing accounts unilaterally, they should not hold money that is not theirs.
I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete. 
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry. 

Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX. 

Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at XXXX.
In  XXXX  of  XXXX , I paid off thi s Amazon Store ca rd. 2 months after I paid it off, there were re-occurring charges that started. My statements come in my email, but I did not feel the need to check them as I had paid the account off. I received a paper statement in  XXXX  and sure enough, they also reported me 30 days late in  XXXX   XXXX . I called, they refunded the charges, but refused to remove the reporting. I did not push the issue, lesson learned, do n't trust this bank. Again in  XXXX , I paid this account off  (   XXXX   XXXX  ). No need to check my statements, I did not make any other charges that needed to be paid. Again, paper statement received in  XXXX , I received a paper statement and again, this bank reported me 30 days late. I called Syncrony Bank, I called Amazon. They waived {$20.00} and refused to do anything else. I disputed with  XXXX  and received a letter dated  XX/XX/XXXX  that all was reported correctly, no proof, nothing. I closed the account and disputed with AMazon and Synchrony again.  XXXX   XXXX , now they are reporting me 60 days late. I just called and their collection department waived {$53.00} in fees and I paid the stupid {$21.00} balance that I DID NOT OWE because I feel like my credit  score is being held hostage at  this point. Again, they say they will enter a dispute and research will take 30 days. To my surprise, I see an article today on  XXXX   XXXX  about Amazon and their re-occurring charges. It seems I am not the only one in this nightmare. I want ALL of the negative credit reporting from this bank removed from my credit report. This is unfair - how do I know to pay something that I DO N'T know is there because I paid the account off  XXXX  balance!!
Capital One has been unwilling or unable to process an simple account transfer. When I went to complain, I found several other bad reviews of capital one " Filibustering '' customers to keep their accounts at capital one after the customer has decided to leave. 

I processed a transfer with XXXX at the exact same time, and XXXX processed their transfer in XX/XX/XXXX. Capital One has a variety of EXCUSES as to why they ca n't perform the transfer but the process is designed to get me to forget about it and leave my money with them. It 's a CON. I filed the proper paperwork. They should FOLLOW IT.
My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, Equifax now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. 

I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.
XXXX XXXX {$400.00} NFCU My now wife and I took a trip to XXXX as to where I would propose to her. During this time I had $ XXXX CL card with NFCU. While we were there, I made a purchase for the hotel room and all was fine, until 2 days later. We decided to stay another couple of days and I attempted to pay for my extra days .... They locked my card completely out of the blue. Because of this happening I now was stuck in XXXX with no money nor gas ... And we had our XXXX kids with us ages XXXX and XXXX. I was forced to drive to a NFCU about 2 hours away to simply provide them a picture of my ID. This happened twice in 3 months where my card was randomly locked and completely frozen. I have been receiving calls threatening to report me in an attempt to collect the debt owed on this card ... If I am correct that is not legal.
I have, for the past 4 years tried to get an Equifax Credit report. I have had no problem with XXXX. It seems that a whole lot of people are having the same problem. After you input the info ( on XXXX ) instead of getting a report you get a page that says one can not be issued online and you have to mail a copy of your drivers license, social security card, paystubs etc. and they will mail you a copy. I did that last year and I still have not received a response and I feel acutely uncomfortable mailing out such private information and have no idea who now has it. On top of it, when you go to their website, they give this number : XXXX EQUIFAX. Now, if you notice, that is too many numbers. It seems to me that they do not want to issue a yearly report, much less talk with anyone about it. I went in on an open forum and XXXX people are having then same issue with them. Please investigate as to why they are making this impossible to do. They are being remiss in their obligation to a free annual credit report. Thank you.
I have not yet received any information from the Annual Credit Report website It seems neither Transunion nor XXXX can verify my identity online. One concern is also that XXXX asked me a question on the verification link re a mortgage application in 2014 - I never had a mortgage application in 2014, so now I wonder if someone stole my identity?
A XXXX XXXX of NCB Management Services is calling my private cell phone number in an attempt to reach a gentleman I work for as an XXXX XXXX. I have told him this is my PRIVATE cell phone and that I am not related to the gentleman he is looking for. He persists in calling 1-2 times per day ( I no longer answer my phone ). This is harassment AS WELL AS improper contact, especially after I have informed him there is no familial relationship and it 's the wrong number, as well as sharing of highly private information insofar as I now know a creditor is trying to collect money from the man I work for. I do not have the right to know this information, nor do I want to. His justification for calling the number is that it was put on the application, which I totally doubt, since its MY personal cell phone number not related to the business. I believe I got the cell number a long time after the account was opened so it 's impossible that number is on the application.