WillisBack/dataset-financial-user-claim huggingface dataset:
The Macy 's online credit card access was unavailable for an extended period of time, so on XXXX XXXX, 2015, I stopped into a store to make a payment prior to the statement ending date of XXXX and a Macy 's store clerk misapplied the payment. To date I have made XXXX phone calls and been on hold for the most part, for a cumulative time of an hour and a half to get them to fix the account. At XXXX point in time, I was on hold for 10 minutes before I could speak to a human and then I was put on hold for another 20 minutes, finally hung up and called back. I was told XXXX times it would be fixed, only to have to call back again because it was n't. On XXXX I had to call XXXX different numbers and make XXXX phone calls to speak to someone in the XXXX. They finally fixed the misapplied payment on XXXX, however, I am still unable to use my card and am on hold on the phone as I type this out. I was on hold for 30 minutes and have been told that my card is now usable. I have n't checked my credit, but suspect that my scores are probably lower because the balance was at about 80 % due to the misapplied payment.
I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money.
In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point
I spoke with a representative on XX/XX/2018, I explained that there was an error with my cell phone company automated service and I wanted to stop a payment and she explained that it can be done as long as the payment hasnt posted and is still in processing through overnight the payment will be stopped. I said ok thanks. Check the next day payment still pending gave it a little time. Called the following day on XXXX XXXX explained the story again and the error caused by my cell phone company to a claim XXXX representative she told me she would open a claim have it reviewed but sounds like I wont get the money back as this is not a bank error she advised they will call my cellphone company and if they say the charges are correct there will be nothing they can do. I explained that things were coming from my account and it would overdraft and I didnt want that. She again told me I wouldnt get the money back but they will research cause again it wasnt a bank error. But if the cellphone gives me back the money they will reverse the overdraft fees I said ok. XXXX ended up giving the money back when it posted to the account it said adjustment I was like great made a couple deposits and didnt think anything of it got the over draft fees reversed received a letter for that. Now on XX/XX/2018 Bank of America goes into my account and takes {$380.00} I explained I have bills coming out mortgage payment was about to make a deposit I asked why was this done the manager said to me because we gave you a credit for XXXX I said you did not when? She explained that I was sent a letter on XX/XX/2018 ( that I never received XXXX advising that they would be issuing me a temporary credit to me in XXXX business days from XX/XX/2018. I explained that they I thought the money came from XXXX I never knew about this asjustment. I explained thats not fair to the customer and they this entire process Ive been misinformed. I asked her if she could put the money back and she told me no she couldnt. Ive been banking with your bank for XXXX years no problem at all now this. I feel I was treated very very unfairly. I asked if the funds wasnt in my account would the money still had been taken and I was told yes I was like even if it would send my account in overdraft I was still told yes. I am asking for all this back and forth countless hours being misinformed that I get the refund of {$380.00} as I never received proper notification regarding these funds and now that they are gone my billing for my home is in jeopardy. I was lied too on several occasions I asked the calls from XX/XX/2018, XX/XX/2018 and XX/XX/2018 be listened to as this could had all been prevented had the payment was stopped like i initially was told. There is a lot of banking errors and feels that what the representative words should be honored as she said I wouldnt get the funds now to get the funds doubled and be penalized for nothing I did. Thank you for any assistance you can provide in helping me get the additional funds back. Thank you XXXX XXXX
In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.
I had a XXXX XXXX card back in XX/XX/XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXXs representative. Seeing as this was their error, they corrected the information and removed the late fee.
Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX said was being removed ) is still on my credit record. I even closed that account over a year ago.
I would like this error removed from my credit history, not just a late fee removed.
I recently viewed my Transunion Credit Report. I have disputed XXXX accounts ( CAF # XXXX & XXXX ) since XXXX 2016. Both these accounts have been properly investigated and removed from my XXXX & XXXX Credit Report but still remains on my Transunion Report.
On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.
I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.
My employer received a writ of garnishment on me for a credit card through XXXX XXXX. I did have a credit card in XXXX and possibly still owe the debt. However, the judgment is through XXXX , XXXX through an attorneys office. The judgment date on the court document says XXXX, XXXX but the order was signed XX/XX/XXXX. The card was last used in XXXX. However, the XXXX company could not provide me with any information other than it was a XXXX account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with XXXX other than that I owe a debt.
I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me. 

" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide. 
XXXX. The answer was quite rude. 
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with. 
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact. 
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations. 
XXXX. These tactics are against the Fair Debt Collection Practices Act. 

The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up. 

I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above. 

I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.
I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
XXXX XXXX is a subsidiary of Bank of America. Shortly after XXXX XXXX, 2017 XXXX XXXX sent me a bill for {$350.00} for purchases made from XXXX XXXX, 2017 - XXXX XXXX, 2017. An additional bill for {$380.00} bill for new purchases made XXXX, XXXX, 2017 - XXXX XXXX, 2017 was sent to me shortly thereafter. Both bills were sent erroneously to XXXX XXXX, XXXX . XXXX in XXXX, XXXX, HI XXXX. I made an offer to purchase the condo at that address but the sale did not go through. I filled out and submitted a CHANGE OF ADDRESS form to the XXXX Post Office. When my condo purchase did not go through, I quickly submitted another form to the Post Office to redirect all mail back to my correct address, XXXX XXXX XXXX XXXX in XXXX, Idaho, where I had been living for over ten years. My many credit card companies, except for XXXX XXXX and Bank of America, corrected my billing address and ensured that my bills were sent to my correct address in XXXX, Idaho. I assume other credit card companies may have had to send out multiple bills to ensure that I received them at the proper address. Instead of Bank of America correcting my address, as did all of my other credit card companies, Bank of America complained about me to my Consumer Reporting Agencies, which include : XXXX XXXX, XXXX, and XXXX. Bank of America submitted information to those agencies which severely damaged me for non payment of monthly bills. As a result, my FICO score was decreased by XXXX points. My credit rating was also decreased from XXXX to XXXX. On XXXX XXXX, 2017, I had a telephone call with a service representative from XXXX XXXX. I learned at that time that I owed XXXX XXXX {$780.00}. I paid the total amount due during my XXXX XXXX, 2017 telephone conversation. I was also shocked to learn that I owed XXXX XXXX money for bills which I never received. Shortly after XXXX XXXX, 2017, I received a letter from an unidentified Bank of America employee, at my correct Idaho address this time, stating " no bank errors have been made concerning your payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' I thought that this was clearly wrong because : ( 1 ) the XXXX XXXX bills were sent mistakenly to the wrong address in the wrong state, ( 2 ) I had no idea about the existence of those bills, ( 3 ) all my other credit card companies had correctly changed the address back to my valid Idaho address. Furthermore, early on when XXXX XXXX referred this matter to the Bank of America Collection Department, I was sent a letter by the Bank of America " Mortgage Fraud Claim '' department. I contacted Bank of America and told personnel there that I never had a " Mortgage '' with Bank of America or XXXX  XXXX. Secondly, I was not making a " Fraud Claim '' On XXXX XXXX, 2017 I contacted by telephone the Bank of America Customer Services Department. The Customer Services Representative I talked to refused to consider my request to have Bank of America correct my credit report information. He also refused to provide me with the name of any governmental agency in charge of investigating complaints by consumers against banks. XXXX XXXX
We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report!
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The Affiliated Group has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
I am filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account from my credit report.
Hey Im having a problem with Cosmo credit repair. There very unprofessional and rude and wont return my XXXX they took out of my account. On XX/XX/2018 XXXX XXXX contacted me regarding repairing my credit. He stated the consultation was free and he can get remove everything bad on my credit report within 6 months. I sent him some v personal information by email and 2 weeks later some random guy XXXX XXXX calls me XXXX at night asking me to send document to start credit repair. I told him no I didn't know you and im not sending my personal information because XXXX know you have XXXX XXXX call me in the morning. XXXX XXXX calls me and said he d I didn't receive my documents and I asked him how come he d I didn't let me know 2 weeks ago. He said he didnt have them to send them back and I told him no. I dont want to do business with you because you lost my persodnal informatiom. I gave them XXXX to start and after I told him I didn't want to do the program because their unprofessional the next day they took XXXX out my account. I had to cancel my card and order a new one because I dont want them stealing my money out my account. So I talked to XXXX whos the technical guy and XXXX whos suppose to be the manager. XXXX stated she was going to refund my money but then stated she wouldn't and hung up in my face. On there website it said you get your money back if your not satified. Well I wasn't satified and they still took money out my account and didnt do no services!!!!
In XX/XX/XXXXI made the mistake of contacting CashCall for a payday loan. After years of debt payments, I was able to replay the loan in XXXX. I requested payment confirmation at the time, it was never sent to me by CashCall. 

7 years passed, with no letters, calls, etc. 

Yesterday morning, they were somehow able to withdraw {$3500.00} from my checking account as a " collection action ''. I know they are currently in court ( with the CFPB I think ) for illegal actions just like this ; what can I do?
I filed for bankruptcy in XX/XX/XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, XXXX XXXX continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with Trans Union and XXXX XXXX XXXX in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent these via certified mail to TU along with a dispute letter. 

Because of the comment furnished by XXXX XXXX XXXX, Trans Union extrapolates, derives, and expands on this information to include, but not limited to the following : Trans Union has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above.

Trans Union continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, Trans Union has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both Trans Union and XXXX XXXX XXXX together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
My mortgage loan is delinquent and I called in to Seterus, Inc to set up payments. I was informed by XXXX that they would not accept my payments. I told him that I am currently XXXX but wanted to keep my home and wanted to make the outstanding XXXX and XXXX payment. Even though we are still within the month of XXXX, XXXX would not accept my XXXX and XXXX payments, unless I also included the XXXX payment. I to him that he is forcing me into a foreclosure by not accepting my payment. He was very abusive and was using strong arm tactics to force me to set up an additional payment for XXXX. I asked was the conversation being recorded, because I wanted to have a record of this abusive behavior that Seterus is utilizing with people attempting to make their mortgage payments. They are forcing individuals into unnecessary foreclosures to keep their servicing record clean and receive additional fees from XXXX.