WillisBack/dataset-financial-user-claim huggingface dataset:
Today, XX/XX/XXXX, I noted an abnormal charge ( from Experian ) on my bank account for {$21.00}. I called the number associated with the transaction and was advised that on XX/XX/XXXX, I signed up for a 7-day trial credit-monitoring service for {$1.00} which would turn into a recurring {$21.00} monthly charge if I failed to cancel the service before the end of the 7-day trial period. 

I honestly don't remember signing up for this service ; I do, however, remember paying {$1.00} to view my credit score when I requested my credit reports from all three credit agencies ( via XXXX ) at the beginning of the year. Is Experian not required to give me more information surrounding my alleged subscription for this service and the terms I allegedly agreed to? 

I have been charged for this credit-monitoring service for the last five months. During the last five months, I have received zero monthly statements for this bill and zero receipts of payment from Experian. The service representative I spoke to claimed that I should have been aware of these charges because they were showing up in my bank statements. 

Are businesses allowed to pull money, on a recurring basis, from a bank account without notifying the owner of the account? That people are assumed to review their bank account statements is no justification for the business ' failure to provide monthly statements or receipts. XXXX and XXXX are just two of the companies that take recurring payments from my bank account and still have the courtesy of providing me with monthly statements and/or receipts. Is that what notice of a monthly recurring fee is - a courtesy and not one required by any consumer protection statute or regulation?
This entire year of XX/XX/XXXX I been contracting XXXX XXXX in XXXX. trying to settle my account, so on XX/XX/XXXX I called the bank to pay the balance, and they informed me they can not take my payment and have nothing to do with this account, keep in mind they are reporting information to the credit reporting agencies. So they inform me it was sold to XXXX XXXX in XXXX, I have write both companies in XX/XX/XXXXabout settling my account I waited 37 days with no response from never, that is why I made a call on XX/XX/XXXX. Ok back to the call I ask the person on the call if I pay the collection agency which is not reporting to the credit report agency who is supports to change my pay statue to paid from collections, she replied with dispute it with the credit agencies. My question is how am I going to dispute a company which is not reporting on my account when the bank is but has nothing to do with the account. What I see happening is I pay the collection company and the bank still reports the account as in collection.
On Monday, XX/XX/XXXX I visited two XXXX Dealerships ( Owned by Honda ) to lease a XXXX XXXX XXXX. First dealership is located off XXXX XXXX in XXXX, NJ and the second dealership was located in XXXX, NJ. I specifically inform the sales person that I already made my mind in selecting that specific model and the down payment would be {$3000.00}. Before running I reminded them i had a repossession back in XX/XX/XXXX with Honda which i completely paid off the deficiency after the auction sale of the car so this incident was basically settled and explained it was due to my poor budgeting and young at the time. The sales person advised me it shouldn't matter. 

We continue to proceed with the transaction and once we negotiated the price they then told me they were going to run my credit report. Soon after, another guys shows up to inform me that Honda will NOT lease any car unless I have a co-applicant and told me it can not be an SUV. Not only was a hard inquiry placed on my credit report but my my frustration is, they KNEW I had a repossession because it was the first thing I disclose to them and second the repossession happen over 15years ago!!! The finance guy told me Honda will " Never '' allow me to lease with them because of the repo. My frustration was if this in fact was true and I did disclose this to them, why even bother running my credit when I told them from the very beginning I wanted to lease. It seems to me the did not care and regardless of a credit inquiry placed, they failed to disclose this information. I even asked to put a higher down payment and they told me no. Why put me through this aggravation if they knew they NEVER lease with this history. Secondly, I thought after 7 years they can not use any adverse reporting against you, which evidently they sure did. Please help.
XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.
It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened. 

The school was XXXX XXXX XXXX, MD
I was shocked when I reviewed my credit report and found late payment on XXXX/XXXX 2018 noted on my credit for those months. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or an internal bank error. I was certain that the payment went through and I've spent countless hours with your representatives that they mentioned that it would be resolved since last month. I just refresh my credit report and noticed that it still there.
Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.
Collector is reporting a debt that the original debtor is no longer reporting on any reports. The original debtor is no longer reporting the debt, because the statute of limitations has occurred. The last payment date will be 7 years on XXXX XXXX, 2015. 

Although it is only a few weeks away, Asset is the only debt collector violating the federal rule to no longer report the debt.
I submitted a compliant already with cfpb XXXX. I recieved a email on XXXX XXXX srating the dispute was complete. I tired acessing the file but was unable. I called Equifax customer service and got the run around thus the reason I involved cfpb. 

I recieved emails XXXX XXXX and XXXX that the Dispute has been completed. I tired acessesing the file and could not. I called in to every number I could find for Equifax XXXX, XXXX, XXXX, XXXX and got nowhere. I tired again and the file opened but there was no information on file. I finally was able to speak to an Agent at XXXX XXXX at XXXX who told me she couldnt help all I can do is resubimt my file online or call XXXX. When i explained I already had a compliant on file she said to call that number because she does not know what to do. Her name was XXXX. How many times must I call in to get nowhere and resolve an issuse that is affecting credit? 

I was denied an application for residency because my income/debt level is too high. However there are several credit cards that are listed on Equifax that are not MINES ... Every credit burea removec them ... Equifax has not and is giving me the run around to disput the claim in a timely manner. I have called, went online, and did everything in my power. This is insanity and unfair. I have included pics of my call logs, emails recieved etc for your documenation to prove I have consistently called and recieved emails from Equifax ...
Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXXXXXX XXXX groceries stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXXXXXX XXXX  franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX Dinners thru out the XXXX XXXX XXXX resterant stops diner menus
Credit card to XXXX XXXX that was defaulted on in XXXX XXXX 2010 and they charged it off. Midlund funding bought it and keeps reporting it as new debt when it is not and it is negatively impacting my credit score. I have went through XXXX XXXX several times to dispute it to no avail.
I attended  XXXX  through  XX/XX/XXXX - XX/XX/XXXX .  <P/> I went to  XXXX   XXXX  to find information on what is involved in attending that school. I had already visited other " for-profit '' schools in the area including  XXXX  's  XXXX  and University  XXXX   XXXX .   While at  XXXX   XXXX , I was asked to sign some documents which they stated would only : a ) check my  credit score and b )  my eligibility to obtain federal & private loans. Despite asking about grant eligibility,  XXXX  never gave me any information or help in searching, finding, or applying for grants. I was asked to return the next day when the information requested would arrive and to my surprise, I was told that I had already accepted the loans. I was not aware that I was accepting responsibility for, or taking on, any actual loans but despite telling them I had come in looking for information they told me I had already signed to take the loans and begin enrolling into the school. At this point, under pressure from both recruiters and financial aid employees I believed the only option was to accept enrollment and the loans.   At this point, I was not aware of private student loans or how they function. This was not explained to me until I was half-way through th e 2-year progr am. In this situation, I was called into financial aid due to an issue with my funding. It was explained to me that federal student loans can only cover 90 % of my tuition and I would need to find another source of funding. I did n't have the money they were requesting me so they told me I am officially dropped out of the program and my loans are going to come due. Financial Aid then told me I  may have a longshot chance at getting funding from a bank and gave me a list of a couple of them that I can apply for. I recognized one of th e companies (  XXXX  -- a company I worked for previously but was a   XXXX   XXXX   ) so I chose that one.  XXXX  had me sign some more documents but still told me I could not attend until the extra funding came in. To recap, I was told my student loans are going to be due and that I owed  XXXX  for extra tuition plus. At this point my parent helped me by making monthly payments to  XXXX   XXXX  directly of {$200.00} for 2 months when  XXXX  called me and said that the rest of the funding is going to be covered by private student loans. I still did not receive any details about these loans until after I graduated.  <P/> Throughout my entire experience with  XXXX   XXXX  I was never explained how federal student loans work, how FAFSA works, or how private student loans work. I have no idea what I paid for or why I had to make those payments and this does n't even cover the lies I was told about wages and employment I would be eligible for post-graduation. In short, I was promised  XXXX -  XXXX   in  XXXX   XXXX  &  XXXX  work but the only jobs I could get ( and the only jobs  XXXX  would refer me to ) were entry-level,   XXXX   XXXX   jobs. I was the only person in those jobs that had a "  XXXX   XXXX  '' degree.
XXXX XXXX XXXX has called me repeatedly regarding a family member 's debt ( dates below ). I sent the company a certified letter telling them that the phone numbers they were calling were not the correct numbers for the person whom they were trying to reach and to stop calling, and also to confirm receipt of my letter in writing within two weeks or I would submit complaints to the CFPB and the CA Attorney General 's office. The XXXX record shows the company received my letter but the calls have continued. 

Calls received on : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( two calls on this day ) XXXX/XXXX/XXXX
XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.
I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?
Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.
In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.
Someone opened a credit card account with XXXX XXXX under my name and social but with wrong address, phone number and wrong date of birth. They used it according to XXXX to transfer credit card debt from another Credit card company. Should be easy to investigate and determine clearly as fraud. This has not been taken off my credit report and is affecting my credit score and my ability to obtain financing.
I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.
Tried to get my credit report from Transunion on line, they asked me questions that have nothing to do with me and pertain to erroneous info they keep putting on my report for another person. As a consequence of TransUnion incompetence and negligence the questions they ask are nothing to do with me and of course the answers are not correct so they refused access to my credit report. They then tell me I have to contact them by phone and provide the tel number which wasted my time and phone minutes only to tell me to contact another number XXXX XXXX XXXX which of course wasted more of my time and most of my phone minutes for the month only to turn out to be the phone number of XXXX XXXX not Transunion. My job has been affected, my security clearance is in jeapordy and I have been denied financing and mortgage because of Transunions wrongfully reporting bad information on my credit that does not pertain to me. Transunion are destroying my life and refuse to provide my a copy of my credit report or access to it
In XX/XX/2016 I finally closed on a loan via Amerisave. It was an incredibly difficult process. Many times Amerisave made promises not just verbally but in writing to both myself and my realtor that just were not true. For various reasons my closing was delayed about 4 times. At XXXX point, they denied my loan right before closing. Then admitted mistakes. The subsequent loan closing delays also due to the Closing Attorney that was understaffed and delegating most of the work to inexperienced paralegals. 
About XXXX weeks after my closing I was notified that my loan was being turned over to a different servicer " XXXX ''. I had some questions about 2 months ago about PMI removal and XXXX informed me this is not possible with FHA loans. I was surprised. They told me it was in my initial loan disclosures. When I asked them to point it out to me they could not find it, nor could I. They stated they would research it and send me the documents. Today after more than a month from my request, I received the documents. It is very obvious that they were " doctored '' and my signature " forged ''. The date noted on the paperwork ( was not my handwriting and dated XX/XX/2016 ) The figures and interest rate amounts were old/outdated and the first page even indicated that the paperwork was prepared in XX/XX/2016. I strongly recommend using your own attorney for closings. Not Amerisave 's although theirs is cheaper and also not using XXXX recommended by your realtor. Be cautious of using Amerisave. They will also not give you the {$1000.00} at closing if your loan does not close in 30 days as promised on their website.
I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal. 

I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ). 

I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due. 

Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ). 
*My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed. 

Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month? 

I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.