WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. 

When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. 

When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. 

I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.
have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.
Synchrony Bank has both harassed and disrupted my business for over 3 hours this week. Synchrony Bank has placed a hold on a credit card associated with Visa and a major department store with no reasonable justification. Tonight, I presented myself with a photo ID and the credit card at a department store branch and Synchrony still refused to comply in explaining or releasing the hold on my account. Customer service at two of these department stores located in close proximity of one another shared that Synchrony was inconveniencing many customers this past weekend. Synchrony has cost me the ability to purchase items with earned rewards, promotions and credits. Please fine them for their poor business relationships and actions against customers.
Over draft fees. I was advised they could be waived as a courtesy due to employment situation. I have a financial hardship with {$230.00} of fees on a balance if {$320.00}. Im a long time customer with Wells Fargo and they always say theres nothing they could do
Attempted to contact Fair Collection and Outsourcing about multiple accounts. 
These accounts are reporting under a false address when I brought this to their attention, I was given the run around. I sent multiple certified mail and was told I could only dispute the account twice. Phone calls were sent straight to voicemail and never returned. Emails were never answered. Under the Fair Debt Collection Practices Act. I as the consumer are entitled to information that would validate the account. In this case It would be a signed agreement between myself and FCO.
SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.
I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX  XXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXXXXXX XXXX this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a XXXX a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Hello, I was a student at  XXXX   XXXX  College. I had taken out loans when I started school  XXXX  of    2016 wi th the schools financial department, this was my first college that I had ever attended so I 100 % put my trust into this school. I was told that I would have to make a payment every month towards my school loan to stay in school I then stated to them that I was a single mother and my pay checks that I were getting were toward my living expenses and my child 's. So they offered my a stipend to help pay the loan. Then on  XXXX   XXXX ,  2016 ev ery student received a message stating  XXXX   XXXX  College has permanently closed effective immediately. We were not given any notice this was shocking to everyone. I called  XXXX  who is with  XXXX   XXXX   XXXX   XXXX  and they had no knowledge to what was happening and that I would be contacted for future information. I did not receive any phone calls for this matter. I then had to look into to other schools and found one  XXXX   XXXX  University who did a teach out and were able to continue but of course for a cost. I am now in my second term there which is actually  XXXX  quarter there and since being there have been paying on my tuition there.  XXXX   XXXX  college did not leave any funds in my account, they took all my financial aid and my Pell grants so everything in this school is out of pocket. I am currently paying the little I can every month and still have a balance of {$5800.00} not including the next term if I do pass. With all this going on I have recently received a letter stating that I must pay  XXXX   XXXX   XXXX   XXXX  {$4100.00} which is upsetting because I did not receive my education from  XXXX   XXXX , the agreement was that I pay back the loan and  XXXX   XXXX  College provide me with my education to complete my  XXXX . They just Abandon all of the students and left them with the debt and left us without a degree.The school shut down with no notice, when signing these contracts that never stated what was to happen if the school closed, the only statement that was ever said was if you chose to leave school that I would be responsible, which is fair but I did not make that choice, instead the school was shut down immediately with out any notice. I now have to pay out of pocket to this new school just to finish my education, and I do n't believe that is fair as a single mother just trying to continue on for my daughter to have to pay this amount back.  XXXX   XXXX  College stayed with this money, I did not leave school. did not take an absence or leave, did not fail in my classes but this school just shut down without any notice to anyone. The news was there the day before we were having class normally and not once did anyone say anything. That is completely heart breaking. I am Upset, hurt, discouraged when all I want is to finish my education. I can not pay for these loans with the loans that I have for this new school. There was a breach of contract and  XXXX   XXXX  College should be held liable. Thank you for your time
XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX  and XXXX  however for some reason XXXX is choosing to continue to keep this collection on my account.
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.
My bank says American Express received electronic payment on XXXX XXXX, but American Express posted it as received on XXXX XXXX causing it to appear as late.
I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an  account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.
In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.
Starting around the XX/XX/XXXX/XX/XX/XXXX time frame of XX/XX/XXXX I initiated conversation with my Loan Service Provider to start a Loan Modification process with them. After submitting hundreds of pages of documents that were asked for almost a year now, I still do not have an answer. Recently, because it has taken so long I started to inquire with individuals and companies as to the process and have found out horror stories as to the actions of some banks/loan servicer 's towards there customers. At this time I am terribly concerned that this company is going to come back with a denial and put me in a position to possibly loose my home. 
The amount of time that this process has taken to date is solely on the backs of Bayview as they time and time again asked me for documents that were already received not only by fax, but also certified mail. I literally have 100 's of pages of documents and can not possibly send them. To give you and example of this companies incompetence, I contacted them back in XX/XX/XXXX after they had asked me for a XXXX form for the 5th or 6th time a copy of all of the correspondence that they had from me. A short time later I received 3 large envelopes in the mail from Bayview containing 100 's of  pages of correspondence, many of them BLANK! 
The stress level that this process has caused not only me but my entire family is incomprehensible. My current point of contact at Bayview has never once initiated a phone conversation with me or left a message for either me or my wife. I have had to initiate any communication unless it was an encripted e-mail or correspondence by mail even thought many times through this process I specifically asked for my point of contact to notify me if they did not receive the documents that I had sent only to be ignored and weeks later have them come back and say documents had not been received. I was notified in mid XX/XX/XXXXthat all documents had been received and I would be given an answer within 30 days only to receive an e-mail on the 30th day stating that an additional document is needed. Proof of that document was sent along with bank statements showing the monthly deposits althought those statements had been provided months before. HELP!
I submitted numerous disputes with XXXX, XXXX, and Equifax with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, XXXX, Equifax, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.
I have a credit card from the retailer Gap on my account. I did not apply for a credit card and have not used a credit card for them. Somehow they are showing up on my credit report.
On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!
I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of " Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX, but the Membership Rewards Points never posted to my account. 

American Express claims to have looked into the issue. I am getting conflicting answers every time I call the contact center. Some agents tell me that the offer will post to my account within a few days ; other agents say there is no such offer associated with my account. 

I believe this is a bait-and-switch situation, in which I was lured in my an offer that American Express never intended on rewarding.
Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.
I ordered a 3 bureau credit report with Fico scores for {$1.00} ( a very good deal ) after being referred to their site by a financial company. The company said you could cancel the membership after ordering the report within 7 days and there would be no further charges. I ordered the report which was fine. I then tried to cancel the monthly service. with a fee of {$29.00} per month. In calling I found the company is owned by Experian.

Every time I called to cancel after going through a long process of identity with the claimed purpose of protecting you, I was told the wait time to cancel is 2 hours. You can not cancel online. This is a total scam with the sole purpose of collecting a fee by making it extremely hard to cancel.
I have a fraudulent account on my credit report From XXXX energy, that I have faxed police report to their fraud department Yet acct remains and hurting my credit
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau XXXX, Experian, XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX
I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file.