WillisBack/dataset-financial-user-claim huggingface dataset:
I received my new Synchrony Bank XXXX XXXX Credit Card in the mail. With the card came the terms and conditions that said my credit card interest rate was, as I had seen at time of application, was 24.90 %. I then got a letter a few days later that said my interest rate was not the best rate they offered and that by law my credit score was used in reviewing my application. It stated my credit score was XXXX. I was then instructed to all if I had questions. I called and asked them to explain what was the cut off for the best credit score and what was my credit card interest rate. The rep and the supervisor I spoke to " XXXX '' could not explain this to me and said they do not know what the score cut offs are. XXXX then told me my credit card interest rate was 25.15 % which is 25 basis points higher. I asked them how they could increase my interest rate on my card from application on XX/XX/XXXX. It has not been 12 months and the introductory promotional rate must be honored for at least 6 months. XXXX said they did not have to follow that law at Synchrony and she said she did not know what other credit card companies do, but at Synchrony, the interest changed on XX/XX/XXXX and so did my credit card interest rate. I tried to tell her about the Credit Card Act of 2009, and tried to explain to her the points below, but she would not listen. She said I had to write to Synchrony and there was nothing else she could do about it.

Interest Rate Increases : Credit card issuers can not increase interest rates within the first 12 months of the account being opened ( unless consumer makes late payments ). 
Introductory promotional rates must remain in effect for at least 6 months ( great news for people who take advantage of 0 % Balance Transfers ). 
Credit card issuers will not be able to raise an interest rate on an existing balance unless the cardholder goes 60 days past due on the account. 
Increased interest rates only apply to new charges and can not be made retroactively. 
No universal default clauses.
I have disputed this inaccurate, erroneous, unverifiable account entry with XXXX  XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX   XXXX XXXX  has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX   XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. 

Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit reports.
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, Equifax and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
I contacted Capital One XXXX/XXXX/15 to ask when my promotional 0.0 % APR was scheduled to expire. XXXX informed that it would expire on XXXX/XXXX/15, which was two days prior. I was surprised to hear this, because my XXXX/XXXX/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement.
I received an alert on XX/XX/XXXX that a new account was opened on my credit report from Barclays Bank. 

I called the number listed and disputed it. I found out that it was a store card from XXXX in XXXX XXXX. 

I was out of the country when this occurred, so I knew it was fraud. 

Though ive disputed this, I can not get additional information from the creditor and my credit score has dropped nearly 100 points. I am desperate to have this removed as we are in the process of buying a home and now I wont be able to. 

I also need to provide information to the police. Each time I call I can not get through to the correct dept at Barclays bank and end up being disconnected. 

Please help, I am begging for some resolution. I have always taken great pride in my credit and have always managed my finances responsibly.
JP Morgan Chase is threatening to cancel my credit card I have had for 15 years WITHOUT XXXX late or problem unless I fill out a XXXX! They already have my current address and SS #, all my legal information AND I have never now ( nor have I ever ) worked for them as an individual or independent company! THEY DO NOT NEED THIS INFO! If they lost it or the company has been compromised then I should not have to provide it again anyway. I 'd like to file a complaint.
This company is attempting to collect almost XXXX for university XXXX fraudulently. That amount is not owed.
Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.
i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation XXXX
some time on or about XX/XX/2019 the bank name XXXX XXXX a XXXX XXXX  XXXX XXXX XXXX in there Declind was base on a review of your report. mere fact your information can be accurate how do you are your enity report to the unacceptable bank account history have being a cusmtor of XXXX XXXX XXXX in XXXX XXXX for over 10 year they finance my Home which in fact is pay off second i have any with XXXX XXXX for over 20 year and number account this lending that in good standerd your company need to correct there false statment about me and my wife because is not true your fact are wrong this is not the frist time you all have issue statement that destory my name please i amask you to correct these fact statement that you are makeing. now XXXX, XXXX, stated that i have good credit with no negative performance. i have 28 account and all is pay as agree.
XXXX of 2015 I went to SunTrust bank To open a check account in my employer giving me a fake check that I had no idea and now I'm unable to open up another account at any other bank
I was a homeowner with a loan originating with XXXX mortgage. I requested a HAMP modification and was delayed for two years. Then my mortgage servicer was transfered Nationstar who then informed me that XXXX never offically modified my mortgage. After a year of going through the loss mitigation dept ment if Nationstar they foreclosed and took my home on XXXX 2014. I received settlement papers from XXXX mishandling but because my mortgage was transfered to nationstar I am not elegible to receive forclosure benefirs under category XXXX of the settlement. I want XXXX and Nationstar held accountable for the improper transfer of all these mortgages and subsequent foreclosures resulting from XXXX delay and Nationstar inability to honor XXXX hamp modifications due to the passage of time and accumulated balances.
On XXXX XXXX, XXXX I called Equifax after receiving my credit report and noticed the extreme amount of inquiries that I have no Knowledge of. I asked Equifax to please remove these inquries off of my credit report because I did not give any of these companies authorization to run my credit. I was told that they would not remove them. 
The inquries are as followed. XXXX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
I have gone through the mortgage modification application process, and agreed to the offer. The application was submitted in XXXX and accepted as complete on XX/XX/18. As I was waiting for the decision back from Flagstar Loss Mitigation, I received an envelope only marked confidential posted to my door on XX/XX/18. According to what I was told, as soon as my loan was transferred to loss mitigation for application review, all  foreclosure and debt collections would cease. They sent someone to my home to post a nondescript letter on my door marked confidential. My name and address were nowhere listed an pretty much anyone could open the letter as it was not sealed shut, only folded shut. I feel as if this is harassment as I then returned the signature page and full agreement back to the bank on XX/XX/18 stating I agree to make the modified payments and I understand my first payment is due on XX/XX/18. Today XX/XX/18. I had yet another envelope attached to my front door stating I need to contact my mortgage company. Why? I signed the agreement and it's not the payment due date. This is very embarrassing and harassing since I have already signed and returned the agreement.
I called three times and was on hold for ~20 minutes each. The first time I did not have the information available to complete the update, the next time the line dropped when the agent was about to finally help, and the 3rd time the agent hung up shortly after answering.
Outstanding Escalated Suntrust Case # XXXX ( Foreclosure Initiated/Pending ) Suntrust Mortgage has failed to respond with a substance response specific to my Escalated Case # XXXX. This case was opened on XX/XX/XXXX. Suntrust issued a letter dated XX/XX/XXXX,  addressed to my wife and I, stating Suntrust mortgage services your mortgage loan and intends to initiate a foreclosure on the mortgaged property in the name of : XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX - XXXX ( Noteholder ). Noteholder can not locate the original promissory note and will seek to prove standing thought a lost note affidavit. Neither Suntrust or XXXX XXXX XXXX have provided the required lost note affidavit. I specifically filed my Escalated Case and requested where the lost note affidavit is supporting who the noteholder is. I understand I have protections against unnecessary foreclosure until Suntrust responds to this specific question and provides the required lost note affidavit as the servicer Suntrust has not resolved my Escalated Case, nor has Suntrust suspended the scheduled foreclosure sale set for tomorrow XX/XX/XXXX at XXXX XXXX. Its my understanding Suntrust must review each Escalated Case received from a requestor against the information and documentation in the servicing system and or mortgage file and determine the accuracy of the inquiry and reach a resolution. Its my understanding when a server receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. With this case being received on XX/XX/XXXX and a response that is specific to my request has not been received I am asking the CFPB to take action and force Suntrust to suspend tomorrows sale. I requested why the Lost Note Affidavit had not been supplied only after Suntrust sent me a letter informing me the NoteHolder had lost the note and would provide the required lost note affidavit necessary to establish standing. Here we are the day before the sale and that document has not been provided nor has Suntrust responded specifically to this still outstanding request. The CFPB should request the audio call files for the dates of XX/XX/XXXX and XX/XX/XXXX from the servicer and the CFPB will have a very clear idea of how Suntrust manipulates borrowers by informing the CFPB it has responded yet never specifically responded to the borrowers question. In this case, where is the lost note affidavit and why does Suntrust continue to refuse to provide this document? XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.
This was discharged in BK in XX/XX/XXXX. However, as of XXXX XXXX they are reporting late payments.
I started repayment of my XXXX student loans in XXXX. In XXXX the loans were taken over by XXXX XXXX, in XXXX by XXXX, in XXXX by XXXX, in XXXX by XXXX XXXX, in XXXX by XXXX XXXX, then in XXXX by Navient. Given that the loans totaled a little over {$24000.00} It seamed to me that the balance was not going down as fast as it should be so I called customer service. I asked for the history of my loans from start of repayment to present day. They stated they do not have access to that data and they could only give me Navient payments. I had done a little research and found that Navient was the same company as XXXX XXXX and that they changed their name with the SEC. I told customer service that they should have access to all the XXXX XXXX records as well but they stated they did not. I asked for a manager and was denied. I have just finished recreating my payment history via old check registers and I found a {$2000.00} discrepancy in my favor. I had planned on creating a letter this weekend with all my documentation to send to their legal department. I was figuring on having to build a case against them. I saw the article today on the FED 's law suit against Navient and decided this would be a helpful avenue to help me deal with them. I would like to check more than 1 box below but your site only allows 1.
I was approved in XX/XX/XXXX for a interest free loan up to 12 months, but when I received my first statement ( XX/XX/XXXX ) it shows that my balance is the original loan amount PLUS the interest amount, and the monthly payment that is due is equal to the interest amount. The statement does state that if I pay the loan off by XX/XX/XXXX, then I will only owe the original amount without interest but the statement itself clearly shows that my total balance is the original approved loan amount PLUS the interest amount. 

To add to the confusion ... I made a payment which was greater than the interest amount but when I look at my account on line it only reflects a reduction on my account of the interest amount vs. the full amount of what the payment was made for. So the balance on my account is not reflecting the true balance. 

When I spoke with a customer service representative, she stated that everything is noted correctly. 

This company has a very deceiving mindset and they should correct the consumer statements and reporting practices. As this is very confusing to the customer and does not show a true representation of what the customer owes.
On X/XX/2017 I sent certified letters to theXXXX, XXXX, XXXX asking for a letter of validation for National Credit Systems for the amount of {$2300.00} all credit Bureau is saying acccount is valid but they have not sent what i requested which was written documentation that I signed showing its valid. On X/XX/2017 I sent another letter asking for the same information received another letter stating valided account but no further information.
Equifax demonstrated gross negligence in its credit reporting practices, allowing millions of records to be stolen and then using a randomly generated answer to inform people if their information was potentially stolen.
On  XXXX   XXXX ,  2017 , EXPERIAN  (   XXXX   ) charged my account {$29.00} after one-week trial expired based on the prior agreement. I paid for {$ 1.00} to access, but considering how much online technology information is moving at a rapid speed, I did not cancel the account within 7 days but you still have asked AGAIN whether I " still '' want to be charged or not. This is a question of ethic moral, stealing money from people who co nsented to {$1.00} and then did not want to consent to {$29.00}. I want my refund. I had spoken with the manager. The manager still refused because of the agreement online. So I turned to CFPB becaus e I need my money back whenever possible. Thanks.
as many americans, my XXXX shopping last minute. so i decided to multi task so i ordered somethings online XXXX XXXX XXXX XXXX. its XXXX XXXX and do you think XXXX will deliver? they promised it be here and its not. so its still my right to get cash given but no exchange pf goods snd or services agreed on. 
no reason to wakd the XXXX XXXX XXXX est on XXXX XXXX am i wromg?
I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.
CAPITAL ONE AUTO REFINANCE ON THEIR SITE SAYS THEY WILL GIVE YOU A FREE QUOTE WITHOUT AFFECTING MY CREDIT. I GOT THE FREE QUOTE YET THEY PUT A HARD PULL ON MY XXXX  CREDIT REPORT DROPPING MY SCORE. I CALLED THEM AND THEY SWORE IT IS A SOFT PULL YET MY CREDIT REPORT SHOWS HARD PULL AND DROP SCORE BECAUSE OF. 

VERY MISSLEADING TO THE CONSUMER AND WRONG, NOW I HAVE TO SPEND HOURS TRYING TO FIX. I WOULD LIKE THEM FINED IN SOME WAY THIS IS WRONG AND FALSE ADVERTISING, COPY OF ADD, ATTATCHED.
I appiled for a loan modification 2 years ago with my old mortgage company. I needed help and made that clear to them. I even had help from a XXXX party loan modification company. After going through every hoop imaginable with my lender, at the final stage of my approval process, they send me a letter stating my loan has been sold to another company and that I 'd have to reapply, for the XXXX time, for a loan modification with my new lender, Ocwen. 
Very discouraged, to say the least, I applied all over again with Ocwen, and had to deal with even more hoops to get my loan modification approved. After another year of sending in documents and dealing with countless Ocwen customer service reps and conselors in XXXX, at the very last stage for approval, I was sent another letter stating " the owner of my loan has fullfilled their quota for loan modifications and I am now denied. " I felt like I got royalIy screwed, again, and there 's nothing I could do about it. I could n't beleive this happened to me again!