WillisBack/dataset-financial-user-claim huggingface dataset:
I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.
XXXX XXXX keeps reporting thi colection account the account is closed and on my credit report its active every month it shows it decreased when the debt is charged off
I have had store credit with the XXXX on 2009. Originally debt was XXXX XXXX Account was named XXXX ( now it calls XXXX ). My last payment was made on XX/XX/2009. I lost my job that time and I could n't pay my credit cards. The debt was sold to collector company PORTFOLIO RECOVERY. It has been more than 7 years. They still report this debt as XXXX to credit agencies. I tried to dispute on XXXX website with XXXX, but unfortunately they refuse to delete the negative account.
I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!
They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.
The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.
Recently checked my Macy 's bill and saw that I had been charged a credit protection fee. Called Macys and they said that I was enrolled in the program and I had been for 8 years now. I do n't recall ever agreeing to sign up for credit protection. I have cancelled the policy however, they are stating that they have to review my account in order to see if I qualify for a refund.
Bank of America would not grant me credit to open a credit card account - so they suggested I open a " secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a " regular '' credit card, I selected to close my " secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money " should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be " charged '' penalties? 
Bank of America has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Bank of America who can tell me what the heck is going on and assure me my money is being returned!
Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.
This is in regards to the complaint around # XXXX. The case has been erroneously closed. In their response they stated that the account was closed for delinquency. Also, in their response they show that they returned the payment made that would have cleared the debt on the account. The credit report shows that I was in good credit standing ( with the exception of the two months they decided to not take payments ) until XXXX. According to them they " closed the account in XXXX ''. Their actions were unreasonable and violate FCRA unequivocally. This blemish on my credit report is completely fraudulent.
I was the victim of identity theft and someone rented an apartment in my name using my drivers license, but not my social security number the account is actually not in my social security number it is in someone elses number. This account was turned over to a collection agency several years ago. At that time I notified the creditor that I was a victim of identity theft and I also notified them that this account was not even in my social security number, but it was showing on my credit report due to the fact it was linked to my credit report using the address on my driver 's license. I provided a copy of my police report and other information to prove to XXXX XXXX that this was fraud. I also provided the same information to XXXX. The account ended up being taken out of my name by XXXX, now years later the creditor XXXX XXXX has again sent this fraudulent account out to a collection agency to collect even though they know that it is fraudulent. I have again contacted them to make them aware that again this is a fraudulent account and it is reporting against my credit file. XXXX XXXX has refused to remove this fraudulent account from my credit file. It is illegal to knowingly try to collect on an account that you know is fraudulent. I have provided XXXX XXXX the police report and the fraud affidavit yet again and they continue to be uncooperative by continuing to collect on a debt by intimidation that they fully know is fraud.
XXXX   XXXX   XXXX   XXXX   pulled my credit three times in  XXXX  of   XXXX  .     I did apply to refinance my truck loan in  XXXX    XXXX   but, I do not understand why my credit was pulled  three times? For the same loan. I have disputed these with all   XXXX   credit agencies and within 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.         XXXX   :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   Experian :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    XXXX  :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX
they say not information about me.when I am disputing an item and notorizing it and send it to then to its me send it.they wait 30 days and send a delay letter after another delay letter.
Each month I make my {$560.00} payment on time. I am never late. I have an automatic payment scheduled with my checking account. Every month when I receive my new statement from Fedloan Servicing. My " Principal Satisfied '' changes from very low amounts ( that do n't make any sense ) to what could be looked at as reasonable amounts. My concern is that I am being cheated on how much is credited to my principal each month/payment.
An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.
I have been comparing credit card offers and came across the Chase Sapphire Reserve card. After reviewing the information about it, I had a couple questions. One imparticular was that I noticed reward points are worth 1.5x their value if redeemed through the Chase travel site. I was curious as to whether or not the same rate would apply to cash if booking a vacation through the travel site. I searched through the offer details and the pricing & terms for clarification. Unfortunately, I was unable to find any information in regard to my question. I thought it would be best to check with Chase Bank directly so that I 'd know for sure whether or not I wanted to apply. At approximately XXXX XXXX central time today,XX/XX/XXXX, I called to inquire about it. The representative was unsure of the answer, so she asked if she could put me on hold while checking. After a few minutes, she came back on the recorded line and assured me that the same preferred rate applies to cash if I 'm booking through the Chase travel site and have a Chase Sapphire Reserve card. I figured that benefit would get me over the fence about applying since I 'd save enough on annual travel to make up for the {$450.00} annual fee. Immediately after I got off the phone, I applied and was instantly approved. Upon being approved, I logged into the Chase travel site under my new Reserve card only to find that I had been lied to about the cash rate. There was absolutely no discount on the cash value, only on the point value. I called Chase back at XXXX XXXX and was then told that the special rate only applies to points. I even spoke with a supervisor and explained that this feels like a bait and switch method to get me into the card and collect the {$450.00} annual fee. His response was that I had agreed to the terms and conditions and that I should have reviewed them more thoroughly. I explained that I did read through that document and the offer details, but could n't find anything in regard to my question and thus the reason for the initial phone call. Still, the supervisor tried to lean on the terms and conditions document.
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If, in fact, the terms and conditions document did contain any information in regard to my question, it was well hidden. Not even the supervisor could find the detail when asked! I feel as though this Bait and Switch method of getting me to fork over {$450.00} crosses the lines of UDAAP.
USAA Savings Bank reduced my credit limit to XXXX from XXXX.with no apparent reason. At the time of this reduction my credit score was XXXX and I had a balance of XXXX on the card.more or less and account is current. Do to there reduction my score went to XXXX because I was at 92 % of my credit limit with them. The bank sent me a letter stating several possible reason of witch they did not pertain to me.I called them and asked for an explanation they stated they could not give an explanation that it was in my credit report. 
So i pulled my report and had XXXX banks review it. found no reason for this reduction. I have been a long tern customer and feel this is unfair. They have damaged my reputation unfairly.
On XX/XX/18 went to Chase Bank at XXXX XXXX XXXX and spoke to person at bank about paying off credit card debt, she then called Chase service and my husband and I spoke to a person by the name of XXXX for more than an hour. She said the call is being recorded. We said we wanted to make a one time payment on what we owe and what type of arrangement can we make. She offered two plans, keep paying or close the account. We chose to close the account and we agreed to make a payment that day of {$1800.00} ( which was all the money we had ) from {$2200.00} that was owed. My husband told her he would get on line to pay the amount and when person came back on phone, she said that the agreement had been declined. She said the reason it was declined was because there was usage on the credit card. 
I don't understand what using the credit card has to do with agreeing on the {$1800.00} payment. The branch manager 's name is XXXX XXXX XXXX and I spoke to him about this situation and he's looking into it. We had to go and borrow the additional {$410.00} to pay off our credit card.
American Honda Finance is reporting a recent late payment on an account that was paid off and closed years ago. I was never late one time and was on auto draft. How can they update currently late when the loan is paid off!? When I call them they just transfer me around and say that they can not see the late or why because the account is so old. 
So nobody can help me. I need this resolved please
By XX/XX/2017 I had received numerous offers for an American Express Delta credit card. It claimed a reward of XXXX miles for signing up and using the card and spending {$1000.00} in three months. When I tried to sign up for the card, I was given a 20 minute speech. I said I didn't have time to listen for longer. I tried 3 more times but the agents didn't seem to be able to process the application. One agent told me to try online. When I tried online, the message kept saying that my XXXX  FF number wasn't correct, even though I knew it was. I gave up. 

I have called Amex and XXXX  numerous times about this credit card to get the miles and buy my flights with the " free checked bags. '' Each agent and the online information are completely conflicting. Today I signed up for the card, then when I wanted to use it to buy the tickets I had spent DAYS trying to coordinate, it said my purchase limit was {$1000.00}!!!! ONE PART of the ticket I need to buy is {$1100.00}! The other is {$1000.00}, the other is XXXX Euros. The ONLY reason I got this card was to buy these XXXX flights and get the miles. If I don't buy all three parts of the tickets together, I may lose the linked flights. And if I use another credit card, I don't ' get the bag fee waivers or the miles which was the only reason I signed up! I am VERY angry because I know that every time I apply for a card I lose points on my credit score, so I do not like to sign up for cards I don't need. I did not need this card. I already had an AMEX and knew how incompetent Amex Can be ( they sent MY credit cards to a random address and won't tell me what INCORRECT address they have in their system. They risked my having identity theft and did nothing to compensate me for that. 

Amex and XXXX should be fined for this fraud they are committing. 

I want compensation for their lowering my credit score, and I want the XXXX bonus miles I was originally promised, since I didn't get it due to THEIR errors, and I want all bag fees waived and the double miles I would have gotten for {$2200.00} on XXXX. Otherwise, I would have used another credit card and another airline! 

XXXX already failed to credit me for the miles I flew from XXXX  to XXXX,, and the miles my boyfriend flew from XXXX  to XXXX  to XXXX. XXXX and XXXX are both scamming their customers.
Equifax has inaccurate information and accounts that were closed out years ago causing my credit score to drop by XXXX points. 
the other XXXX agencies are accurate and Equifax refuses to fix anything. 
i have disputed with them and it only lowered the score even more. 
the accounts in question were closed with no delinquent payments owed.
I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me
2 Issues : My loan was for attending the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. Approximately {$10000.00} per year was borrowed. It became clear to me about one year in that the XXXX was only concerned with taking my money, and had very little consideration for the quality of education it was offering. Classes were taught by local business folks with little or no experience as educators. Classes were often dismissed hours early. Everyone received an " A '' grade on every assignment, regardless of the quality of work submitted. In XX/XX/XXXX, I decided to suspend my " education '' because of the lack of value I was receiving -- I was already {$30000.00} in debt ; I did n't want to push it to {$40000.00}. 
Issue 2 : After I left XXXX, the real nightmare began. I was contacted soon after I left school to begin repaying my loans. I started to do so, but was having trouble making the payments they were demanding. I was told if I could n't make the payments, the servicer would garnish my wages at a XXXX % rate -- I thought this was a better way, because i would n't see the money, instead it would go straight to my balance. Not so. In XXXX year or more of garnishment, more than {$11000.00} was collected from me. NOT ONE CENT went to my loans or interest due ; instead, the servicer charged me penalties in exactly that amount, while at the same time reporting against my credit. My credit was ruined, and it remains ruined today. 
Now, after completing a " remedial '' program with FedLoan Servicing wherein I made 9 months worth of payments to get back to current status, FLS promised to remove the derogatory information from my credit. After completing the program, they refused to remove the derogatory information, and my credit is still ruined. 
I have no education, {$17000.00} in debt ( after working very hard to get to this point ), and a bottom-rung credit score.
I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.
I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.
I am trying to purchase a home for my wife and I and was turned for loan by core logic CREDCO submitting to the lender that I had no credit score. This not true as I have myself contacted all XXXX credit reporting co 's and got my credit scores from them. since I am a total XXXX Veteran, this has caused me a lot of sleepless nights.
XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.
On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.
When I received my latest mortgage statement, I noticed a late charge on the statement. I called XXXX and spoke with a representative and said we received the bill on the XXXX and it is due on the XXXX. There is no way the payment would reach XXXX by that date. The representative said she would waive the late charge since it was not our fault that the payment was mailed late from their office. We have NEVER had a late charge until this last statement, since now they are mailing the statements late. We should not have to pay the price for the mortgage company 's late statement mailings. This late charge information is destroying not only my credit but that of my wife 's also.
A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.
Rent Recovery Solutions has been showing duplicate collection items on my credit report and will not remove the duplication. I have filed disputes with all credit bureaus and Rent Recovery continues to state the debts are valid. I have never received any statement from this company as to the debt owed and can only say that I did live in XXXX XXXX XXXX at one time and rented XXXX unit. There is absolutely no way that there should be XXXX identical items on my credit report and there should at least be some communication in writing showing what the debt is. This appears to be a very shady company, but I want the duplicate item in my credit reports cleared immediately.
I have two accounts with XXXX XXXX XXXX. 

SOMEBODY USED MY CREDIT CARD TO BUY THINGS FROM XXXX. THEY EVEN CHARGE ME ISA FEE. 

THE TOTAL AMOUNT IS MORE THAN {$3000.00} THE BANK SAYS THAT I APPROVED THE TRANSACTIONS THAT I DID NOT.
XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.