WillisBack/dataset-financial-user-claim huggingface dataset:
Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.
My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax did not report this breach in a timely manner, and even then did not provide notification to me through mail, phone, or email. When checking to see if I was affected on the Equifax website, Equifax chose to not provide a simple yes-or-no answer. They have only stated that " they believe my personal information may have been impacted by this incident. ''
I had a mortgage with Bank of America and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that Bank of America is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.
I submitted disputes on XX/XX/18, XX/XX/18, and XX/XX/18 to 2 credit reporting agencies asking them to correct a student loan account that I have at XXXX XXXX XXXX that they both erroneously list as discharged through Chapter XXXX bankruptcy. I also called twice and was told to send supporting paperwork along with a cover letter indicating what I would like done to correct the error, which I did both times. 

The school loan account was NOT discharged in bankruptcy, and I currently pay on it each month. My payments have never been late. I twice submitted the court documents that prove that this account was not included in the bankruptcy, and I submitted a current school loan statement indicating my current balance due. I received a response from both credit reporting agencies that confirms the information they have on file despite the paperwork I submitted proving that they have it listed incorrectly.
This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.
Upon calling Navient for help when my loans went into default on two separate occasions, the most recent being about three weeks ago, I was only eligible to perform a forbearance. I had mentioned to Navient the first time I was behind payments that the school I was attending should have submitted my paperwork, and they later confirmed but would not postpone the payments due or offer lower payments ; instead they said my best bet was a forbearance. 

This past month I called them to notify I was again XXXX in school XXXX, and they said the school 's responsibility and mine is to submit the paperwork. I then asked if I could have my payments revised since I had multiple health bills impact me previously before becoming re-enrolled into school full time. They said that I was only eligible for a forbearance and not to worry about it, my payments would just go up a bit, but I would n't have to pay for 3 months. Not once was I educated on the impact it would have on my credit, nor the amount it would actually increase my TOTAL loan amounts versus the monthly payment " slightly '' rising. My credit was negatively impacted as a result because of this and I have had this loan and made multiple payments but now owe more than I initially borrowed. The lack of information, options offered, and seemingly sales-like push of the forbearance on multiple occasions is the reason I am reporting a student loan complaint.
We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage Lender is reporting Foreclosure Status. This home has never had a Foreclosure Sale Date ( it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.
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Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure Sale Date on Calendar.
Experian continues to list items on my credit report that have reached its Credit reporting statute of limitations of 7 years. I have filed multiple disputes to have these removed from the credit report, and they keep refusing to remove them stating that they have already investigated and will not conduct a new investigation. The other XXXX credit reporting agencies, XXXX and XXXX have removed these negative items, but Experian will not. Here is a list of negative items being reported by Experian that have reached the statute of limitations for reporting : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX I would really like them to follow up with a proper investigation and remove these items, which should no longer appear on my credit report as the other XXXX credit reporting agencies have done
I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply
Received call from Ameritech financial about refinancing student loan several years ago. Did paperwork, payments were taken from checking account. In XX/XX/2018 received another call from Ameritech to renew student loan application. Gave requested info, updated XXXX account info. Received letter from XXXX ready lawsuit. Contacted Ameritech via email letter requested written update on my account. Never received it, sent another email, emails from Ameritech, XXXX XXXX, left messages, never spoke with him, never received requested account information. Each time I called got answering service. First email dated XX/XX/2018. No written response as of today, XX/XX/2018.
My husband took out a no interest for 12 months credit account to pay for XXXX. The account is with synchrony Financial. They had the wrong address on my husband 's account through no fault of ours and we did not receive a bill for 2 months and was unaware of the wrong address until they called because the account was past due. It was discovered on that call they had the wrong address and sunchrony said they " would reset the clock and take away the late charges '' since it was not our fault. The address on the contract is our correct address. We did receive the first bill in XXXX ( should have been XXXX ) and promptly paid it but noticed that the length of time to pay interest free was not reset and stood at 10 months. We contacted synchrony, on XXXX and they said they would send a letter in 7 days with their decision. Well, we got no letter and when I called today I was told that the request was denied. I spoke originally with " XXXX '', then " XXXX XXXX '' and finally " XXXX - a manager ''. Today when I called I spoke with " XXXX ''. This is unfair. Our contract states 12 months interest free and now we only have 10 months through no fault of our own. This is deceptive practice.
Company has placed incorrect info on XXXX Credit Report for XXXX XXXX as late. Late appears on XXXX   credit report twice as late for XXXX for same date i.e. XXXX XXXX. Filed Dispute with company and with XXXX  XXXX XXXX. Visited company Twice on Sunday XX/XX/XXXX and again on Monday XX/XX/XXXX.Spoke with Representative and agency indicated my account is not pass due for the month of XX/XX/XXXX. After several visits and phone conversations no positive results or correction or corrective action taken to Account. Filed a dispute with company XX/XX/XXXX and was told investigation into matter will be taken and I will receive phone call with results, but no call or results for more than 20-days.I was told I would be contacted at a later date and billing statement would be sent out within 30 to 45 day 's. Billing statement was sent out but mail was returned for bad address reported by company on XX/XX/XXXX. Late charge on report indicates after a attempt was made by mail for billing. Address is valid and has not changed. Called company for follow upon billing and company indicated some information for billing is or was wrong and placed by company. All attempts on my part as consumer has been exhausted and no other options but to file consumer complaint. Information for billing is still incorrect in system and I have made every attempt to correct this with company.
I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.
This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : XXXX.
An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help
I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!
Please note that I have already contacted CFPB with respect to a complain. I have a case number assigned, which is : XXXX. 

I was instructed to file a compliant online. Thus, please note the following : I am writing to file a complaint against Avant Credit because of their predatory lending practices. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2014 in the amount of {$4000.00}. Since that time, I have paid to the credit the amount of {$2700.00}. Please note that this loan still carries a balance of almost {$3900.00}. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options. 

In addition, Avant Credit has listed on my credit report that I am in collections, which is not true. I have asked them to remove their collection account and they have not yet complied. Furthermore, I want this listing removed. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a XXXX payment on XXXX XXXX.
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
I was informed that I had a bank account opened in my name in XXXX, California since XXXX. I could'nt get any information from Wells Fargo outside of confirming that I 've been having this account and they allowed me to open another account. Checking and Savings in XXXX in XXXX. I called Wells Fargo to get information regarding to my other account to no avail. I was told it is a substantial amount. I just want information regarding the funds that mysteriously came up missing and was never returned from a Mortgage company.
Student Loan Consolidation. I was tricked to believe I was call XXXX XXXX XXXX but I really called a guy name XXXX XXXX he stated he went buy the name XXXX. A scam. I paid XXXX none of that went to my loan but to his pocket.
Dear sir or madam, This is regarding my XXXX PayPal accounts created in my name : registered email address : XXXXXXXXXXXX email address : XXXXXXXXThey were permanently limited, stating that my account is in violation of PayPal 's own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 6 months. 

At this time I have over {$1000.00}. in the accounts and I want my money NOW, not in six months. This is my money and I should get it immediately. To me {$1000.00}. is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the Attorney General of California ... and Paypal took the entire month to respond to me. And their response was not satisfactory. All I received is an explanation about why they suspended my account, but they did n't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXXXXXXXXXX
I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )
still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score
I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.
I have sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since XXXX and is still report on my file and was update from some XXXX collection agency in whom I have not went into contract with
I returned my mini cooper XXXX on XXXX/XXXX/XXXX and was recently contacted by MINI that upon my lease end inspection I owe a staggering amount of money. They charge a flat fee of {$750.00} for having the service light on even though I took my car in for its annual service and was only within XXXX miles of needing service. I did not even know the service was due having had gone into the digital menu to check. They charged me {$950.00} for external " hail damage '' to my car, the pictures that were provided do not clearly show the " damage ''. Since getting my yearly inspection I would think my tire tread would have been checked and replaced if not having met requirements but instead they charged me {$200.00} because my tire tread was not thick enough, even though I was significantly under my mileage requirements. I believe I am overpaying and will have a hard time affording this extra monthly bill.
Per the agreement with XXXX XXXX XXXX through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the Experian credit report.