WillisBack/dataset-financial-user-claim huggingface dataset:
I applied and received a fixed rate visa credit card from Bank of America ( BOA ) XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX ( 12 yrs ) the interest stayed at the fixed rate and never changed. XX/XX/XXXX the interest rate went up 1/2 percent on the full amount owed at than time - XX/XX/XXXX another 1/2 % hike - July again raised 1/2 % and again in XX/XX/XXXX, so you can see the pattern. This rate hike is still continuing.

Keep in mine I was never given notice of the rate hikes and the raised rate was always and still is on the full amount owed on my card.

I been calling BOA in various department asking what justification they have to do this action. The last answer I received ( while sitting in XXXX XXXX, a BOA branch employee office, that the federal government passed a law, XX/XX/XXXX, giving the credit card companies the right to raise fixed rate accounts. Not true - I call the Library of Congress to verify and no such law was passed.

The XXXX  Credit Card Accountability, Responsibility and Disclosure Act mandated that agreements worded with " fixed rate '' be fixed - also requires a 45 day notice to card of rate increase with the increase only applied to charges after the notice date.

There are 3 loop holes to this Act 1. Late payment, 2. Over Limit 3. Intro offer.

I have never been late or over my limit ( have records to prove ) and the original app ( have original ) did not state an Intro offer for 12 years. According to my research into the XXXX CC Act, BOA has violated numerous credit laws, no notice - not adhering to fixed rate - rate increase on full amount - not to mention the numerous lies and misleading information I have received from the company reps, the above example ( XX/XX/XXXX Law change ) comes with a witness, XXXX XXXX was informed of the same information from BOA Card Services.

I have contacted BOA via phone many times asking for answers with no result. I have kept records of the date called, name of rep and excuse given ( too many pages of records ).

I am asking CFPB for assistance in resolving the issue - I would like my interest rate to resume to original agreement with credit to my account on amounts over charged or a valid reason with documentation from BOA to justify raising my rate on the full amount owed with no notice.

Thank You, XXXX XXXX XXXX Contact info - XXXX XXXX
I went to visit this doctor for the first time. I clearly made an appointment with his doctor with my dental insurance which they also made a copy of. If this was a paying visit why was I not charged before services? They clearly took my dental insurance as they made a copy of my insurance card. Not sure why I my credit is being damaged for a medical bill when I have insurance coverage. I have attempted to contact this carrier several times to no avail
I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing.
I made XXXX purchases with my PayPal XXXX XXXX XXXX for wine " futures '' - wines which I pay for now, that will be delivered up to 2 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 2-year waiting period ) on XXXX and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. PayPal XXXX XXXX XXXX is refusing to issue a refund, stating that they only have XXXX from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two years in advance of receipt.
I am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.
I have my mortage payment withdrawn from my bank the XXXX of each month automatic payment. At the end of XXXX not sure the date I went online to change the added money I was making on the principal and changed it to my escrow account. That was the only change I authorised. On XX/XX/XXXX the mortage payment was withdrawn from my bank not on XX/XX/XXXX. I called the company and asked why was it withdrawn on XX/XX/XXXX and not XX/XX/XXXX the lady told me that if you make changes to your account it changes the withdraw day by default to the XXXX of the month. I said no I didn't ok that and wanted a credit back because I had money comming in before the XXXX to be able to make my regular payment. I was credited the amount back and said to withdraw it on XX/XX/XXXX which is my normal withdraw date. I latter found out It was not withdrawn on the XXXX not sure why. During the last week of XXXX and the 1st week of XXXX I kept getting calls from the mortage saying to give them a call about my mortage but never said why. On XX/XX/XXXX I called and was told I missed my XX/XX/XXXX payment. I said how could that be it's paid by automatic payment from my bank and if it was not withdrawn it's the mortage companies fault not mine and the guy said he didn't know what happened. I said it was paid and I would check with the bank and was told to send proof that it was paid. I checkd my bank statements and found out it was not paid so I called back on XX/XX/XXXX and said it was wrong saying it was paid and said I would make a payment over the phone. I was credited with the payment on XX/XX/XXXX. On XX/XX/XXXX I recieved a letter from the mortage company saying im past due more than 30 days and my account is in default which is NOT my fault for the missed payment and if anything I should get an apology for the mistakes and confusion the mortage company made and admit it was their mistake for not making the withdraw on XX/XX/XXXX which is the normal date and to say we don't know what happened is not a good excuse and to find out what happened. The mortage company should NOT make changes to my account without my permission which started this whole problem at the end of XXXX.
I had a card with XXXX XXXX XXXX, well i fell on hard times and was XXXX i missed 3 payments and they garnished my XXXX check for 2 yaers i made payments of XXXX and then they took my tax refund from a tax offset of XXXX. The card was a XXXX. Limit. And listed on my credit bureaus was XXXX with late pays.. with making payments of XXXX a month for 2 years is not even close to oweing them over XXXX. They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take XXXX from tax refund.. how is that legal. I wrote them 2 letters and 2 emails. They refuse to make this write. Please help me.
XXXX and Equifax refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address
Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to Equifax and XXXX a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
To whom it may concern, I lost my husband recently. My husband bought this home for me and now i am losing it in foreclosure. I am a widow and i am XXXX and the bank is taking advantage of me. I am trying to do a short sale on my home so I can move on from this nightmare. The problem is the short sale packet the lender emailed was not readable. I requested for the short sale packet to be resend but the lender is giving me the runaround. I have been on the phone with them numerous times and usually placed on very very long holds. All I want them to do is resend me a short sale packet so I can sell my house before the sale date which is on XX/XX/XXXX. Please help me because they are not emailing me another short sale packet which could result in my house going into foreclosure on XX/XX/XXXX.
I requested mortgage assistance from my lender Shellpoint a few times now to have them come back and me you 1st have to come up with $ XXXX to $ XXXX, as a down payment. I do not have or have saved or could have saved during my hardship. I was willing to make my payment for the approval on XX/XX/2018 but they said they cant accept my payment for the trial plan till i pay them a down payment of {$20000.00} I dont have. My family and I have not lived in any means spending money that we could have paid the mortgage with, we cut out a lot of things for us and our kids for sports activities and other things as well as we do not eat out and we shop at the dollar store and you can see my bank statements showing we have so many over- draft fees, we do not have {$20000.00} to put up front.We have exhausted all we can to work with shellpoint and they only come back to ask for 50 % of the past due amount. I just dont have it. However the payments they had approved me for i can start making them but they wont accept nothing till i give them a down payment. I want to keep my home, my family and I love our home.
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
I was a joint checking acct holder with my brother whom lived in another state and was young. We added myself to the account incase someone from our home stated needed to make deposits etc into the acct for him with him being so far away. The acct was overdrawn by him and then closed. acct opened in 2006. After this occurred and I received phone call I explained all of the above to the banking institute. 
I now 11 years later receive a phone call from a collection firm on behalf of XXXX XXXX stating that they are filing a civil suit against me and I am the only SS # listed. That they will serve me papers at my home or my job where my supervisor will have to sign as a witness as well. This is the first point of contact also mind you. No mail received NOTHING. I explain when I return the call to this collection firm that I work and I am not available between XXXX-XXXX. An that they are NOT to come to my place of employment. I question the matter and what is owed. I am told a flat fee of {$500.00}. has been access to the overdrawn amount which I am not even sure what the original amount might have been at this point.
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.
On XXXX 2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and Experian. Both XXXX XXXX XXXX  were cleared my credit report history with no any extra headache but Experian won't clear. its been a year already still no luck with Experian. Please give me an advice how to solve this issue i have all the legal documents, Thank You
On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.
On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX  where they claimed I owed them {$180.00}.

OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA.

On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue.

On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ).

To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened.

I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES.

Thank you for your prompt attention to this matter.

Very Truly Yours, XXXX XXXX
I have been paying my mortgage on time, but Seterus has diverted the funds to cover a non existent escrow account. I am now getting late fees and notices of intent to foreclose, as well as threaten legal fees. These guys are crooks
I am a victim of identity theft and I have reported the information to several creditors for more than two years and there have been instances where the banking institutions and merchants have not responded nor refunded my monies before 30 days. I have been denied credit from other merchants and use of services because of the information that they have listed at there companies. There is instances where I have documentation from the individuals and they have not provided me with services.
I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.
I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.
I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ). 

How can I remove this from my report? Thank you!
AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter.
OnXX/XX/XXXX I initiated a dispute with Experian requesting a method of verification for two erroneous accounts that were " verified '' as belonging to me. Pursuant to my consumer rights with the FCRA, I have a right to an explanation and description of the procedure used to determine the accuracy of your XX/XX/XXXX and XX/XX/XXXX investigation. This is pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure. In addition, pursuant to this law, Experian had 15 days to respond.

Today, XX/XX/XXXX, would have been 15 days therefore I called Experian to check the status of my " Description of Investigation Procedure '' dispute. I spoke to a representative and a supervisor who both stated no letter has been generated as it relates to my above dispute. In addition, neither representatives had any knowledge of the above FCRA law. They both stated my XX/XX/XXXX was put in a 30-day dispute. I told them pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure my dispute should have been put into a 15-day dispute. They were both clueless and had no idea what I was talking about. They were no help at all and not privy with FCRA consumer rights. XXXX, a supervisor at Experian, went on to say my letter mentioned nothing about a method of verification, which is a bold face lie. My letter was very clear with what it was intended for. I attached it to this complaint. It's clear as day!

Experian received my Method of Verification dispute on XX/XX/XXXX. By law, they were supposed to respond within 15 days, which would beXX/XX/XXXX. Instead, they put my dispute into a 30-day dispute which will be resolved by XX/XX/XXXX according to both representatives I spoke to. I feel Experian is being noncompliant and negligent in this matter which has caused me major undue emotional and financial stress. My next and final step will be to file a civil lawsuit in my county if this matter is not resolved immediately! I am a litigious consumer and my husband is a XXXX XXXX XXXX in XXXX, XXXX county. I am done playing this game with you EXPERIAN! They are destroying my life by reporting erroneous accounts.
I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
I have requested from XXXX/XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.