WillisBack/dataset-financial-user-claim huggingface dataset:
IQ Data c ontacted me regarding a debt my ex was responsible for. I informed them I was not responsible and that I would have him contact them. A few days later I was contacted and informed that he had set up a payment arrangement and they were calling to see what I could do. I again told them I was not responsible for the charge and that I was preparing for a military  XXXX  and to contact him. Once again they called and this time he told me to consider a settlement to prevent them from placing this item on my credit report. I asked them did my ex make an arrangement and any payments and the gentleman said yes to both that my ex made an {$850.00} payment and set up arrangements of {$330.00} to cover the remaining balance until the debt was paid. He then stated that he was offering me a deal to save money to prevent them from ruining my credit by placing it. I told him the debt was n't mine and if my ex was actively paying them why was he threatening me with a settlement of {$1500.00}. I told him to please continue working with my ex and leave me out of it. They then placed this item on my credit report. My ex contacted them and again they told him they would do a deletion for a complete payment and he stated he was n't in the position to pay that amount and the supervisor then told him " I 'm taking you off of the payment plan since you wo n't do the settlement. '' This company is horrible! They are bullying individuals with the threat of reporting items and them forcing settlements in order to delete them. This is not my debt, this item was placed on my report specifically for the refusal of my ex to pay a lump sum. Although he already paid them {$850.00} to set up the payment plan, after refusing the settlement they removed him off the payment plan and then proceeded to take the {$330.00} anyway.
I received notification from one of my credit monitoring services that I had a collection account add to my credit profile by CommonWealth Financial. I contacted them to ask why would they place a collection on my credit profile without contacting me to see if the debt belongs to me. The representative advised that they just purchased the debt and have not had a chance to mail anything to me. I asked him why would you place the collection on my credit profile without following the proper procedures as required by the XXXX and the act overseeing how collection agencies operate. He could not give me an answer.
I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Faxed a written payoff request to CitiBank on XXXX/XXXX/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. 

On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on XXXX/XXXX/2016. They said because the request was not signed that they would not process the request. 

Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? 

Filing this complaint for the borrower XXXX XXXX. 

I attached the payoff request and the fax delivery confirmation.
Wire instruction to send money toanother bank were not followed. Beneficiary never received the money. Bank did not notify me that it had not sent the money. Money was debited at time of instruction from my account. I instructed Bank to cancel the wire and credit my account. Money has not been credited back to my account for almost 1 month now. I am in contact w branch amd service rep but no substantive updates are given. Amount is $XXXX. I need money back and Bank is saying they are not able to credit interest during the missing 1 month period. I need the $XXXX back in my account ASAP.
Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX.  This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
On XX/XX/XXXX, I had ( XXXX ) medical accounts in the amount of {$47.00}, {$40.00}, & {$330.00}. I called the collection agency and they agreed to settle for {$330.00} which was successfully debited from my checking account on XX/XX/XXXX. After the verbal agreement, I followed up in writing and requested that the collection agency provide there agreement to delete the accounts from my credit report in writing. I never received the letter, but I spoke with XXXX XXXX from the collection agency and was told they would have the accounts removed from my credit report.I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX. He began to yell & scream at me because I asked how much longer is this suppose to take because I was initially told it takes 5-14 days. To date those accounts are still reflected on my credit report. I 've held my end of the contract but, they are taking their time fulfilling our agreement. I feel like I should n't have to be talked down to because I called to inquire about our agreement.
When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.
After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name.
I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.
I spent about {$100.00} on a credit card I no longer knew I had, but was saved on a website. The credit card company never sent me a bill. By the time I found about it and figured out how to pay the bill six months later, they said I owed them about {$300.00} in late fees.
1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.
TransUnion Credit Bureau refuses to remove two tax liens on my credit report.  I have disputed both of them 9 times in the past 9 months.  I had filed disputes with XXXX and XXXX and they both removed the tax lien information.  I have received letters from both the IRS Federal and The State of Michigan saying that the amounts are paid and the information should be removed.  I sent copies of these letters to TransUnion.  They still refuse to remove the lien information.  I filed a dispute again today.
I was the victim of identity theft. Someone in Florida took out a credit card in my name that shows up on my credit report. I have never lived in Florida and thought this was resolved with the financial bank in Florida but it is still showing up on my credit report. I don't know what I have to do to have it removed. Help!
I applied for a XXXX credit card. According to XXXX XXXX the date was XXXX/XXXX/XXXX. I knew that I had paid the credit card off, but the Credit Bureaus had it listed on my Credit Report as not paid for over six years. I continually requested that debt be investigated and validated. The Credit Bureaus would confirm the date was legitimate and would post a new date in alliance with the request for validation. On XXXX/XXXX/XXXX after writing the Bank directly to ask for validation, it was discovered that no balance was owed at all. The bank stated that it would address the issue to the credit bureaus and to allow 45 days for a resolve. The bank apologized for it 's six year error but that apology will not put all the money I had to paid in higher insurance, mortgage fee 's, denial of credit, reviews of my credit report, the embarrassment and damage I have suffered because of both the Bank and the Credit Bureau. I ask the Credit Bureau over and over again to remove the information and I know that it was done on purpose all these years to keep me paying higher prices for loans. I want the Credit Bureaus and the Bank to pay me back for defamation of character, giving false information to numerous of business, and blocking me from receiving a housing loan. I want an Lawyer that will fight on my behalf for a change. If there are any that you could recommend, I would appreciate it.
XXXX, Experian and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a  statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( XXXX, Experian and XXXX  are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that XXXX, Experian and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

THIS INFORMATION WAS REVISED XX/XX/2018 XX/XX/2018
I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.
XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor.
I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX
Works & Lentz in Tulsa, OK reported on my credit report without validating any claim owed of {$75.00}. I called Works & Lentz to explain and dispute the claim. I wrote a letter officially disputing the claim and stated the various requirements in the Fair Credit Reporting Act. The letter was sent by email to the contact email address I was given by Works & Lentz over the phone. The {$75.00} was for a doctors appointment that I cancelled ahead of time. Works & Lentz sent me no proof that I owed this money for services rendered as is required by the FCRA and as I requested. The only documentation they sent me was a billing account printout from the doctors office. Works & Lentz then reported the collection account to the credit bureau and it negatively impacted my credit score. Works & Lentz has already been found in violation of fair credit practices by this agency and were cited to pay a civil penalty of over {$78000.00} and refund over {$570000.00} to claimants for these violations.
Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.
Contacted Transunion XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX
Nelnet is trying to collect from me, however I have no contract with this collection agency and do not owe them anything. 
I have an unverified account from Nelnet. Nelnet can not provide me with any original paper work, signatures or ID copies.
XX/XX/18- Consumer File was requested ( Consumer ) USPS Tracking :  XXXX XX/XX/18- Consumer File Received from Company ( Company ) XX/XX/18- Dispute was filed regarding Bankruptcy reporting via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Method of verification was requested and copy of letter from the alleged Creditor denying the reporting of Bankruptcy was sent ( Consumer ) USPS Tracking : XXXX **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- Reinvestigation requested via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Another request for the method of verification sent to Company ( Consumer ) **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- No response has been received ( Company ) XX/XX/18- Complaint filed with CFPB ( Consumer )
Our home owners insurance is made with our monthly payment to Ocwen financial service. The invoice from the insurance company is sent out in XXXX, and is due XXXX XXXX. As is the case this year and the past two years, Ocwen does mske the payment prior to the home owners insurance policy lapses.
Discover Bank, on XX/XX/2019, concocted a fictitious charge : OVRSHTCR TELLER CASH OUT CORRECTION - {$40.00} with no basis in reality. When confronted about their fraud, they chose to ignore it.
On XX/XX/17 I went to XXXX XXXX XXXX in XXXX, NY to purchase a used XXXX XXXX XXXX car which I saw advertising in the XXXX XXXX Website for sale at {$4900.00}. The salesman told me that the car was being cleaned and it was not in the lot and if I was interested in the car, he would start the paperwork and I could come another day to finalize the purchase. I posted a downpayment of {$2500.00} for the car and we agreed that the dealership will be taking my old car for a price of {$300.00}, bringing my downpayment for the car at {$2800.00} He proceeded to take my information for financing the car. I was told that I was approved for the car loan and I will be paying {$230.00} a month for 36 months. On tuesday ( XX/XX/17 ), I went to pick up the car and I asked for the paperwork to be signed and I was told the same information as provided that Saturday ( XX/XX/17 ), and that the application was filled out on line and that I will be getting a phone call from the Financial Company to verify the purchase of the car. Later that day, I received a call from Credit Acceptance to verify that I have purchased the vehicle at the same time I asked for a copy of the paperwork and I was told by Credit Acceptance that the Dealership was responsible for providing copy of the contract. I called the Dealer again and I was told that a copy will be mailed same day. 2 weeks later and after opening a claim with Credit Acceptance Customer Service Area, I received a copy of contract in the mail and found the following : 1- The Car Sale Price in the contract was inflated by {$3000.00}. Car was advertised for {$4900.00} and that was the agreed at the time of the sale. <P/>2- The last page of the contract shows my signature which is not my signature. I am certain that the signature was copied from the trade of my car form. I traded my old car at the time I picked up the XXXX XXXX. <P/>
3. The contract life of the loan is showing 57 payments at {$230.00} instead of 36 months as agreed by both parties.
<P/>I went to dealership to show the discrepancy in the car sale and I was told that there is a dealership fee and an extra fee from Credit Acceptance for the loan. That information was never told neither is showing in the contract. <P/>I submitted another claim to Credit Acceptance Corp. on XX/XX/17.