WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
Thank You
I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.
The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. 
Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.
When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.
I previously filed a complaint on a related matter. However, this complaint is different. On XXXX XXXX, American Express advised that it had closed my account because I had used XXXX, while linked to American Express, to pay certain related parties. AMEX stated it was a violation of their agreement, although it was not. 

The above is by way of introduction only. Now, I have received a letter from American Express, a copy of which I am enclosing, stating that the reason that they canceled my account because I did not provide financial documentation and/or IRS information as requested. The only problem is that American Express is made no such request. 

I would hope that AMEX is held at least to a standard of behaving in an honest and forthright fashion. At this juncture, I have been provided to inconsistent reasons for the cancellation. In the first case, their document does not prohibit the conduct. In the second case, they canceled me because I did not abide by the request, which request they never made. In both cases, AMEX acted very improperly. 

I asked that American Express not be taken at face value this time around, as it is clearly promulgating inconsistent information.
Over the summer I was 90 days behind with Barclay Card.  I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. 

This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. 

I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. 

I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. 

Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
XX/XX/2017 {$67.00} in a money transfer via moneygram.com Was cancelled before collection By me due to a possible overdraw Because of a money transfer to a close friend And they said they cancelled it for me But would take 3 to 10 business days Never sent confirmation of cancellation Refused to send confirmation of cancellation Or any evidence of such Then later said I would not be And that " i would have to trust them in good faith '' If i did n't then i would not get my money back Then the next day calling 4 more times to check the status They altered the explanation and said an email was sent confirming cancellation at the time it was done And that if is " against moneygram policy '' to send another to confirm I checked every folder for the supposed email Spam and trash included Nothing! Zip! Zero! Zilch! Nada! What the heck is going on? Oh not to mention the money never dropped of pending status to refunded on my card It went to completed! Which means the money was taken! Now the receiver is XXXX off And So am i
received loan modification and was asked to pay money up front. I paid it. Have n't missed a payment. It comes directly from my bank. Mortgage company keep sending letters stating that my monthly payment is behind. Also my note has increases from XXXX dollars to XXXX dollars to XXXX dollars per month. Interest is now XXXX percent. Initially offered modification with interest at XXXX percent and monthly payment of XXXX dollars. Bought house for XXXX dollars about XXXX years ago but now owe XXXX dollars. XXXX companies were involved : XXXX, XXXX and now Caliber Home Loans.
I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Ditech credited my account with a {$5000.00} incentive which I met the qualifications for. Ditech then withdrew the credit.I have been trying to get an explanation for over a year.I received a brief blurb from one of their office paralegals stating that everything was right. This is not acceptable. Please review the documentation. I sold the house on XXXX XXXX, 2016. I received around {$2400.00} form escrow, but believe Ditech may owe me additional funds. I have attached documents. Please review and help me receive an adequate explanation and not a vague response to an important consumer concern.
I referred a family member to AmEx but did not receive the referral bonus when that person opened a new American Express credit card account.
I bought a {$400.00} Visa gift card at XXXX XXXX, to buy a plane ticket on XXXX XXXX. I went to the XXXX website and booked the ticket, paid with the card and all seemed fine until I went back to XXXX   website the next day and the reservation said " ticket pending ''. So I called XXXX  and they said the card was declined. So I went to the Visa card site ( I bought it at XXXX for {$5.00} ) and realized i had to register the card so i did. I called XXXX  back and gave them the Visa number, expiration date and 3 digit code, to buy the ticket. Went back to website the next day, still said Pending, meaning the card was declined. So I called the XXXX/XXXX   number on the activation ticket, and after being on hold for ONE HOUR!!!!! I was told I had to call Visa directly. I did, and was told that " to buy a plane ticket I need to have the purchase price plus 15 % on the card '' ( the ticket was {$370.00} and the card has {$400.00} ). When I asked what for, I was told " incidentals ''. It's a plane ticket folks, there are no incidentals! I asked where this was stated and they said in the cardholder agreement on their website. I printed out this agreement and NOWHERE DOES IT MENTION PLANE TICKETS OR 15 % above the price! I asked the " customer service rep '' where this was stated and he couldn't tell me ( and this was the " supervisor '' that I asked to speak with after the first person i talked to had told me that. ) I have bought many plane tickets, and never have I heard of this. Surely this must not be legal, what authorized Visa to take/put on hold more than the purchase price of a plane ticket? 

XXXX XXXX has repeatedly told me that they do NOT place a hold on any amount over the ticket price, so I am concluding that either XXXX  is lying or that VISA is requiring the extra hold, which is nowhere in the Cardholder agreement. I have spoken with my lawyer, and this is considered at the least Breach of Contract and perhaps also Fraud. 

And what make this all the more suspicious is that no one will put anything in writing, neither XXXX XXXX attesting to the fact that they dont require a hold or the Visa people stating why my card was declined or where in the agreement it states that they can hold 15 % over the purchase price on the card. 

I need some help in either buying this airline ticket using the card or getting my {$400.00} plus the {$5.00} purchase price refunded to me.
On XX/XX/2018 I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 4 unauthorized credit inquiries on my credit report. 

On XX/XX/2018, I wrote and mailed a letter to each of the creditors and explained that their inquiries were unauthorized. To-date, this has not been resolved and the inquiries are adversely impacting my credit score. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and neither of these companies had a permissible purpose. 

Further, a response is required in 30 days. I have provided enough information for both furnishers to complete a competent investigation, yet neither have corrected their mistake.
XXXX XXXX incorrectly reported me 90 days late to all 3 credit agencies. I was never late, as I had applied for a forebearance, and they never processed the application. Later, I refiled the forebearance request, and it was processed 90 days late. I complained to the company by both letter and email, and they sent me a generic response saying they weren't going to do anything for me.
I was contacted by AR Resources about a medical bill that I did not know existed. When I contacted the medical organization ( XXXX XXXX XXXX ), I realized that the invoice was wrong and I submitted a dispute. While the dispute was active my invoice was put on hold so the correct amount could be determined. 

About a month later I got another call from AR Resources saying that I owed the money. I told them that I had disputed the charges and the invoice/account was supposed to be on hold. 

He told me that the medical organization had contacted him 2 days earlier ( XXXX XXXX by email ) and told him that my dispute had been denied and that I owed the full amount. I was so confused as to why I had n't heard directly from the medical organization and I asked him why XXXX XXXX XXXX had n't let me know and why was I only hearing about the dispute being denied from him. 

He told me that XXXX XXXX XXXX would n't call me about the dispute because AR Resources was the point of contact on the issue. He told me they were going to put it on my credit in a couple of days if I did n't pay him. I could n't risk my credit getting damaged by this, so I paid him. 

I then called XXXX XXXX XXXX to ask them why they did n't contact me to tell me they had denied my dispute. They told me that my account was still on hold, nothing had been determined yet, and they had never contacted AR Resources saying the dispute was denied. They said they are n't allowed to talk to anyone about the rulings of my dispute except for me. They said they had it on record that they had contacted AR Resources to let them know the invoice/account was on hold and not currently due. 

AR Resources lied to me about how much was owed because at that point nothing was owed, my account was on hold until the invoice could be corrected. He lied to me about the dispute being denied. He lied to me about him being the only point of contact on the issue. And now I 've paid money on something that I have no idea the actual amount that 's due on it.
My local VA clinic sent me to the local XXXX Hospital to be treated, and they promised me that the VA would pay for it. I am a Veteran. Well they have NOT paid for it and now I have bills from collections agencies that are ruining my credit, which has fallen over 150 points!
Im trying to avoid foreclosure. I've tried to do a loan modification on my home but Penny Mac wont open it up or even review it. Now I would like to do a short sale. I just really want to avoid foreclosure. but I feel like lender wont give me a chance for either option.
I have attempted to contact Navient multiple times to change the amount I pay each month regarding my school loans. XX/XX/2016 I took a paycut of about {$20000.00} in income. Since then I have been struggling to make my payment each month and since I am on a income based payment plan I have tried to update my income with Navient. Each time I call in the say they will send an email with instructions on how and where to adjust my income. The email I receive does not show me where I should go on their website and takes me in loops when I follow the instructions provided in the email. Therefore, I have been late on other bills and payments to other institutions since my school loans are pulled automatically and I ca n't afford the amount I pay each month. Contacting Navient has resulted in the same email with no help from whomever I speak on the phone with. I have given up on trying to contact Navient and am attempting to struggle through each month. 

I also have difficulty understanding the amount I am being asked to repay. When I have called in to Navient, the customer service reps have been unable to explain why different loans have different rates. I feel as if the people working with Navient are not versed in the basic information I need to answer the questions
I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!
I was under contract with XXXX XXXX from XXXX to XXXX I completed my obligation and sent the final bill on XXXX/XXXX/XXXX for the amount of {$100.00}. I included the final payment and the phone in the same envelope and sent the payment and the phone as directed by XXXX representative " XXXX " on XXXX/XXXX/XXXX The package was opened and the check was cashed by XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I rec a request for payment from XXXX for the amount of {$220.00} for the Phone I contacted XXXX and Informed Their customer service of the actions taken to return the phone and to make the last payment as required. XXXX stated they did not received the phone. I informed them of the procedures I took to complete my obligation of the contract.. It would make it very difficult to cash the check without taking the phone, Bill and Check out of the same envelope I received several correspondence from XXXX over the next several months providing them the same information. All correspondence with XXXX received after the contract was " this issue has been resolved ''. This was not true. I received several letters from XXXX XXXX XXXX { Collection agency ) company and informed them of the situation. No resolution from the collection agency. This agency stated it has to be resolved with XXXX and wanted a partial payment to resolve this. I refused to make any payment for Items that have been returned. Thank you XXXX XXXX
This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.
Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.
Paypal has put limitations on my account. Have asked for verification documents for absolutely no reason, Which i have already provided twice yet they still have not resolved the limitations. Extremely unprofessional customer service.
I have disputed this account with Portfolio Recovery Associates through all XXXX credit bureaus. It is apparently for a XXXX account that I do n't believe is mine. They have sent me a copy of a last statement with amounts for a past due and payment now due and balance listed. It does not verify the debt is actually mine, but they keep stating it 's verified. The amount they are claiming I owe is neither of the XXXX balances on that statement. With just a little bit of research about this company I realized that they are not even licensed to do business or collect debts in my state of Georgia. I would like all collections to cease on this account and for it to immediately be removed from all XXXX credit bureaus and for Portfolio Recovery Associates to stop trying to collect accounts in states that they are not licensed in.
Financial Credit Network has purchased  every fraudulent collection account that was previously on my credit report  and reopened them and are attempting to collect on these accounts which are not mine.COLLECTIONSFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpenedXX/XX/XXXX-$XXXXOriginal creditor: XXXX XXXX XXXX XXXX