WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted  XXXX   XXXX  on  XXXX / XXXX /  XXXX   regarding a APR decrease since my APR was at 27.34 %. I was told after speaking to numerous agents and finally requesting and was allowed to speak to a supervisor. The supervisor stated there were numerous accounts like mine that  XXXX   XXXX  had bought out and these accounts never qualify for a rate reduction. I explained that I 've had this account for 12 years and found it odd that there were no rate reduction. At that time it was explained to me that  XXXX   XXXX  never notifies cardholders they 're entitled to a rate reduction and that I would have to continually call in and request one. I stated that appeared to border on fraud and that they 're attempting to hide this from customers. I was told they would escalate my issue and I would receive a call back. I was then offered a {$50.00} credit to help with the interest rate. I never received a call back and contacted  XXXX   XXXX  again on  XXXX / XXXX /  XXXX   regarding this same issue. I was connected to  XXXX ,  XXXX , in VA after speaking to another representative.  XXXX  informed me that after reviewing my account I would not qualify for a rate decrease. I expressed my displeasure with this outcome and had her review my account for any offers of a rate decrease. In 5 years that the account has been owned by  XXXX   XXXX  there was no indication I ever qualified for a rate decrease and in the 7 years prior to that it was the same answer. I asked was this due to my payment history are balances and was told neither were an issue. I indicated that I was aware that none of the accounts that  XXXX   XXXX  buys qualify for rate decrease and this was a more systemic issue that appears to border on fraud. I asked exactly how many accounts did  XXXX   XXXX  own in my predicament,  XXXX  refused to answer the question. I informed her that I would be turning this issue over to the CFPB for review and I requested to close my account. I also reminded her that I  had 2 other accounts with Cap One that had no where near the APR on this card. The account was subsequently closed, however I would not have closed it if my APR had been reduced. Also I believe Cap One engages i n systematic fraud by where they charge exorbitant APRs then place the owness on the customer to figure out if they qualify for a lower APR. How would the customer know that on their own when  Cap One  holds all the cards in this arena and should have a duty to notify their customers if they qualify for this benefit. They know how to notify a customer of a late payment, so why ca n't they notify them if they qualify for a lower interest rate.
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from Equifax and nothing is done I am legally XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
This involved Chase Bank and their routine customer practices. 

I recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. 

I suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. 

After talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers.
I have called paypal and informed them that I do not have a paypal account with them. They refuse to listen over the phone. These representatives are from a foreign country and I am not sure if they really want to help individuals from the United States.. I have heard representatives make statements like foreigners came to The XXXX XXXX XXXXXXXX and made a mess. I am very disturbed to hear that people actually travel to a foreign country to behave like this. This does not excuse the fact that Pay pal should have a department that handles accounts that are created with the intent to harm a individual or cause fraud. I have never created a paypal account and it should be investigated. Please assist me. This has cause so much emotional distress.
Annual fee of my Chase credit card account, {$95.00}, was charged on XX/XX/XXXX. 

I called on XX/XX/XXXX and asked when is the last date by which I have to decide to keep the card or not without paying annual fee. I was informed that because the fee was due by the end of the billing cycle, I had time to decide until the XX/XX/XXXX Due Date which was XX/XX/XXXX. 

I called on XX/XX/XXXX twice to close the account. On the second call, I requested to close it and I heard it was closed. I cut the physical card. 

On XX/XX/XXXX, I found that my account was not closed. 
I called, and exchanged several emails with Chase agents since then, but they did not admit their error, initially saying that the account was not closed because I did not pay annual fee within 30 days after charging annual fee, which was XX/XX/XXXX I got two difference messages regarding this issue - one saying that 30 days from the date it was charged and the other saying that within the billing cycle. 

When I asked to check my two calls on XX/XX/XXXX only one call was checked or it was back to square one with an agent who neglected to read the email thread. Through this process, late fee was charged even though there was a return activity that gave a credit to my account. 

I request two things to Chase to make sure what happened : 1 ) Review all recorded phone conversations, share them with me, and verify that their agents told me that I could cancel the account by the XXXX due date ( XX/XX/XXXX ) on those calls, 2 ) Review the phone conversation on XX/XX/XXXX, share it with me, and verify that I asked to close my account and their agent was supposed to do it during the phone call, which was made before the XXXX due date.
On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.
I have a Citi Double Cash credit card for years and have accumulated a lot of cash back. On XX/XX/2018, my credit card was closed without any advanced notice. I noticed that my account was closed on XX/XX/XXXX when I tried to buy something using my credit card. I called Citi right away to confirm and also tried to redeem my cash back. I was told that I can't redeem my cash back, but an online representive told me that I can redeem my reward four days later ( XX/XX/XXXX ). 

I called Citi again on XX/XX/XXXX, and a representative AGREED to redeem my cash back and said a check will be mailed to me. However, TWO WEEKS later, I received a letter saying that my reward can not be redeem because the cash back was forfeited at the time of account closing. The only option to redeem my reward is to reopen my account. 

I called Citi again on XX/XX/XXXX to see why they refused to redeem my cash back. No clear explanation was given. An account manager said there is nothing she can do unless I reopen an account. However, I do not want to reopen an account because I have opened new credit cards during these two weeks I have waited. 

As a long time Citi customer, I felt I was poorly treated and everything is poorly communicated. With that said, I summarized my complaint below : 1. My account was closed WITHOUT any notice, even when I used the card EVERY DAY. 
2. Citi did not honor its promise. I was told that my reward could be redeemed on XX/XX/XXXX when I called, but Citi refused to do so later. 
3. Poor communication. I was informed TWO WEEKS later that my reward couldn't be redeemed unless I reopen my account. During these two weeks, I have opened new credit cards with other banks. I do not want to reopen an account because I do not want to open too many credit cards in such a short time frame.
This complaint is submitted on behalf of the borrower by his advocate. 

The borrower applied for foreclosure alternatives on XX/XX/2018. He was denied a standard modification on XX/XX/2018. The denial letter failed to give a clear reason for the denial stating, The investor ( owner of your loan ) has declined to this workout. The denial letter offered a Short Sale or Deed-In-Lieu. The denial letter did not advise the borrower of his right to appeal the decision, if merited. On XX/XX/2018 the borrowers advocate requested in writing clarification of the denial, to help the borrower evaluate his entire situation ( i.e. appeal the decision or seek other alternatives ). The request was submitted to the Single Point of Contact and the Escalations and Loss Mitigation departments. Shellpoint acknowledged the correspondence was received on XX/XX/2018. They confirmed a written response would be provided within 15 days ( aka XX/XX/2018 ). A Notice of Trustee Sale was recorded on XX/XX/2018. 

The borrower and his advocate contacted Shellpoint via telephone communication on XX/XX/2018 ( when the borrower received multiple copies of the Notice of Trustee Sale via U.S. Mail ).  Representative XXXX XXXX confirmed there was no response to our request, nor was there a Single Point of Contact assigned to the loan. He explained that the borrower could enter a Repayment Plan, by making a lump sum payment and pay the remaining balance in a 12-month period, but that would not stop the foreclosure sale scheduled for XX/XX/2018. Please note this is the first time the borrower was advised by Shellpoint of his option to enter a Repayment Plan. XXXX then requested to follow up with us regarding the total amount due to bring the loan current, or lump sum amount due to enter a Repayment Plan, since he did not have access to that information. 

It appears that Shellpoint is in violation of the California Homeowner Bill of Rights and the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act. The Notice of Trustee Sale may have been recorded prematurely, since no response to the correspondence has been made, thus giving the impression that Shellpoint is dual tracking. The Repayment Plan option appears to be unethical, since Shellpoint is  insinuating to accept partial payments of amount due but still proceed with foreclosure. It is also alarming that Shellpoint removed the Single Point of Contact prior to ensuring all loss mitigation efforts were explored with the borrower. All these actions have put the borrower in an unnecessary predicament to limit his options. Attached hereto please find supporting documents.
When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.
I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.
An item from XXXX XXXX XXXX XXXX is being reported on my Experian report, I 've had it removed from XXXX and XXXX, I 've filed several disputes with Experian and they still wo n't remove the item, which is n't mine, it 's causing stress and XXXX XXXX XXXX. It 's messing up my score and it is n't fair to continue to report something that is n't mine and has been removed from XXXX out of XXXX major credit bureaus.
On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
I cancelled the card in XXXX XXXX at XXXX they charged me XXXX 4 times for late fees ... XXXX too much
I paid off my entire balance, which was posted as {$360.00}, in XXXX XXXX 2017. I checked the balance in XX/XX/XXXX, and they had billed me {$5.00} in interest for that cycle, after I had already paid it off on full. The explanation I was given was that you have to have no balance for two months straight to avoid being charged interest. What was that {$5.00} of interest based off of since I paid off the whole balance the month before? Did they conceal the real balance in order to continue to charge me interest? At the very least they were misrepresenting the full balance on my account information.
I disputed a collections account on my XXXX credit company. The account is for a medical bill in my hometown of XXXX, LA. The account is currently owned by XXXX ( accoount # XXXX ). The account has been transferred to a number of different collections agencies and I dispute it everytime it pops up on my credit report. It was previously owned by XXXX XXXX and I disputed it then also. Equifax is also reporting this account, but on my Equifax report the account is owned by XXXX. The account is for a medical bill my father accrued when he went to the XXXX at XXXX XXXX XXXX. The info I 've received thusfar matches the dates of the charges.His name is XXXX XXXX. The collection agency that reported the account sent a letter to me in response to my dispute. The letter is also addressed to my father, they just sent into my home instead of his. Today, I got a notification from XXXX XXXX that XXXX has completed their investigation and they are refusing to remove the inaccurate information. They claim it meets FCRA requirements. But this is impossible, because the account is in my father 's name. I called XXXX last week to emphasize how important it is that they remove this fraudulent information from my credit report. I guess I did n't drive the point home well enough, because despite the collections agency submitting a letter that is addressed to someone else, they still did not remove the information. I am looking for an apartment and I really need this account deleted so that I can get approved or I will be on the street come XX/XX/XXXX. Please help. This is extremely urgent.
Synchrony Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers requested by an unauthorized party. 

After several calls, and several request for the issue to be escalated, my account status was made active and more than five times placed back on a block status. The amounts pertaining to the disputes transactions has been placed back in the account and then withdraw more than fives times, proceeded by the total balance of the account presenting billing errors and a decrease in funds for amounts that have been claimed as unauthorized. To this date, I am being prevented rom accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has refused to provide a appropriate resolution and mitigate the losses of the billing errors cause by the several times that the statement lists the same funds being credited and debited from the account. I have been awaiting for a proper resolution and the mitigation of my losses for a period of 2 months.
XXXXXXXX XXXX agreed to a settlement & to remove negative info off of credit reports.
TransUnion is reporting incorrect facts regarding a Bankruptcy on my credit report. TransUnion maintains that they " verified that the Bankruptcy is accurate. '' I requested to see TransUnion 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).
XXXX wireless is reporting a delinquent/unpaid account on my credit report. This information is erroneous as this is not my account. Im not certain if Im a victim of identity theft. According to my credit file, the account was opened XX/XX/XXXX but sold to XXXX XXXX XX/XX/XXXX. Both companys are reporting this on my credit report. The amount is for {$2000.00}. I would like some kind of proof that this is my account. I have already disputed these items.
Agent XXXX XXXX of XXXX told me that her investigation found that XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX XXXX noted her findings in comment # XXXX in their system. She also sent me a dispute form and walked me through exactly what to say on the form and reference comment # XXXX. 

XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX will not take ownership of this computer glitch. 

XXXX will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account. Now XXXX has locked me out of my account completely. ( see attachment ) I made of 40 calls trying to resolve this matter. During that time I was under the direction of agent XXXX XXXX. Now XXXX will not allow me to speak with her regarding her internal investigation. They are now saying they have no record of this in their system. This is not right for XXXX to do this to consumers of their products. Please help me with this.