WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/31, my card was declined at the grocery store. I called Chase and they told me they closed my account due to another account closure. They were very vague and wouldn't give me a direct reason. They also said that I can never open the account ever again and that the decision was final. This is the only credit card I have had with Chase for 4 years and 5 months. No other accounts with them. I always pay my balance in full on time for the 4 years and 5 months.
I left with family from XXXX to XXXX on an Emergency XX/XX/2018 regarding my mother who soon passed XX/XX/2018 I had returned. in that time I thought I left my wallet and phone in my vehicle but it was not there, I called keybank XX/XX/2018 to put my card on hold for suspicious transactions and told me to call again XX/XX/2018 which I did twice now keybank says I have to fill out a police report but no burglary was committed to my vehicle and bring a form of i.d . which got stolen. I don't know what else to do.
I filed for bankruptcy and it was resolved XX/XX/2016. Citi Mortgage refuses to take my name off of the house. I called and spoke with several people pertaining to this matter and was given the run around. Several of the employees refused to give me Citi Mortgage bank information so I may contact them and have my name taken off the property. I 've called them several times to let them know that the house was surrendered back to Citi Mortgage. XX/XX/2016 I spoke with XXXX who told me the foreclosure processes for my house should be over within 5 months ( XX/XX/2016 ) and that 's not happened. I 'm still receiving letters from Citi Mortgage with information that I did not request. What I request they refused to give me. They refused to help me with anything I asked for.
I do not owe this debt of {$26.00} that I keep getting bills for and now I have received a collection notice where my credit is perfect. This is an illegal attempt to take my money.
Account number XXXX I spend of 25 hours writing letters and dispute forms on line with USAA regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. USAA account number is XXXX
I have a XXXX XXXX with BoA. Recently I was XXXX by XXXX XXXX. I had purchased XXXX insurance. My insurance company has sent a check to me, however BoA XXXX department refuses to give a XXXX XXXX to cash this check. I am not required to have XXXX insurance and do n't understand why BoA just ca n't give authorization. They are not required to be on this check because I am not required to have XXXX insurance. I have spent approximately {$25000.00} on my credit card. Why do I have to spend money for my expenses when all BoA has to do is release the check. Homeowners should not be XXXX twice. This is such a XXXX time in life when you have your entire space interrupted. Why does the XXXX department add to this XXXX? I would appreciate any assistance you can provide. Thanks in advance.
Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future.
I made a purchase with Best Buy They said I had 12 months no interest. After 12 months they said I would be charged on the remaining balance. After 12 months I was charged {$540.00} interest. I called and they said sorry about Best Buy not informing me correctly but now I had to pay the remaining balance + {$540.00}. This is an absolute scam. I thought I was going to get charged for interest on the remaining balance not on the balance since the beginning! What is the point of this!?? It 's a pure scam! : ( XXXX XXXX
I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy be removed from my credit report as per the fair credit reporting act. Thank You
I was contacted through email by someone named XXXX XXXX stating that I was facing four criminal allegations against my name and my social security number. The guy said I was going to be prosecuted within a couple hours in court. Also that they wanted to come to an agreement on a payment plan for a payday loan. I believe the balance was in the area of 300 when I received the loan, but this guy is saying I have a remaining balance of {$1100.00}. And that if Im found guilty then Id have to pay the court fees and lawyer fees and the balance would be {$4400.00}. He also stated that if I was under any probation or payroll that they would need to report it to my manager or superior. He also stated that he was going to file my case with the local police department along with there investigation officer, and that they will be coming to my door step or to my workplace to arrest me and keep me in custody for the next 2-3 months for fraud. So i responded saying I wanted to resolve my debt, and I let him know how much I could do each month till the debt is paid, but then he demanded {$350.00} dollars on the spot to keep it out of court, if not they were going to proceed. So I let him know I couldnt do it that day but could do it the next week. So he agreed and said my first installment would be on the XX/XX/XXXX. Today, I receive another email from him stating that he still hasnt received any payment from me nor an answer. So that if I didnt pay the full amount within 45 minutes, he was going to pursue court action against me. I responded and reminded him that we had just agreed to something yesterday now hes threatening me again. And I reminded him Im trying to repay my debt, and that it was illegal for him to threaten with jail or a bench warrant. And I also stated that maybe bankruptcy was my best option. So he responded again with the same message as the day before that my first installment would be on the XX/XX/XXXX. And I responded with Im going to look into a lawyer. So then he threatens again that if I cant pay within 3 hours that he was going to pursue the court action. He also stated that this was the courts decision so I needed to obey it and if not I would be taken for legal and other requirement procedures for XXXX.

He also mentioned again that he would be generating a court date for me and again the local police department along with there AGO investigation officer would be showing up to my doorstep or work place and Id be jailed for four months. He also stated that the loan was provided against my paychecks so that his client Ace Cash Express has all the right and authority to inform my job about this case. So I asked him for the evidence which would be the loan documents to see if that was the remaining balance, and he responded with all the information is in court so hes not mentioned in the affidavit and are under cover and have yet to be mentioned until the case is executed. And then he asked me if I remembered taking out a loan with this company and did not bother paying back. And I responded with Im asking for the loan documents to see if this balance is true because I believe hes lying about it.
I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
XXXX   XXXX   Divorce :  Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -  XXXX   XXXX   XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' (  XXXX   XXXX   )  owed is {$4100.00} -  XXXX     XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with Equifax,  XXXX , and   XXXX    regarding the " Account ''.  XXXX  has deleted it from my report. Provided additional information and details in writing and online to Equifax &  XXXX , with no result of deletion from my Credit Report.
XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list
I am getting letters in the mail and phone calls from Penn Credit that show the debt to XXXX XXXX XXXX in XXXX, Arizona. However, I never had any debt, the balance on my XXXX account is XXXX and I always paid all my utilities way before the deadline! 

When I am getting phone calls from Penn Credit, representative refuse to tell me what they are calling about, but request me my sensitive personal information, like my address. Obviously, it is not save to give my sensitive personal information to somebody who call me for unknown reason. I believe that by such request Penn Credit violates the laws that protect my identity. The last such call from Penn Credit with described scenario happened today, XX/XX/2018, before noon of XXXX XXXX XXXX. 

When I am calling to XXXX XXXX company to resolve this issue, they pretend to be an idiots, are totally unqualified to help me with this issue, and do not make any notes about my phone calls on my XXXX account, so next time XXXX representative do not believe me that I already called them about this issue!
They are threatening me with legal action saying my pay would be garnished and debt would damaged my credit for the next 15 years
I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused me.
Account was charged XXXX NSWF fees for transactions that show the account was positive at time of transaction. Was charged XXXX dollars for XXXX purchase XXXX Charges are as follow and order. 

XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$14.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$18.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$19.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$20.00} XX/XX/2016 XXXX ( XXXX ) XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$23.00} XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XX/XX/XXXX {$39.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX XXXX -XXXX {$47.00} I also deposited XXXX dollars via the mobile app which has always posted the next day which would have covered the XXXX cents i was charged XXXX dollars for. The app always post the next day but this time it has not. I called the customer service line was put on hold for 45 mins and told they did n't have the tools to fix it. I was told the supervisor had stepped out, then told to write a letter, when I demanded to speak to someone. I was put on hold then hung up on.
Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.
I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit XXXX. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and XXXX times, they sent a letter back stating the account is correct and will remain on my report.
I called to cancel my TransUnion credit monitoring service 2 years ago. Despite being able to sign up online, they did not offer a way to cancel online. During the phone call, i got verbal confirmation that my service would be cancelled and that I would not longer be charged ... however this was only after me repeating " please cancel my service '' for 20 minutes while they recited a sales pitch. Just today, I looking at a statement from an old credit card I realized they never actually cancelled my service. This is 2 years of $ XXXX/month that they have been charging me without my consent.
I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ). 

I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.
Today ( XX/XX/2017 ), I received a letter from knight adjustment bureau. They claim to have an account for me from XXXX XXXX. They also claim that I owe {$1200.00}. I do not currently have, nor have I ever dealt with XXXX XXXX.
Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me.
I keep telling this company the same thing as I did with the individuals that are employed by them. I will start paying the {$150.00} dollars I owe for a XXXX cable bill. I spoke to them about how I will start paying less than 6 months. I explained I will make 3 payments each month to pay it off. Right now Im trying to get these current bills under control that I still owe. They will not make any note of anything but still continue to harass me and its getting me nervous and fidgety. Its not good for my health. I have the bill invoice that came in the mail and I need them to just stop the harassment on my cell phone.
It is very, extremely hard to put a fraud alert on your credit report. The credit bureaus make the process impossible. I just received a letter in the mail that someone tried to apply for credit in my name. This is the only information I have, so I go online to do this fraud alert, and the bureaus want me to order a credit report first. UNACCEPTABLE. I should just be able to get this added ASAP. Why should this process be so hard, while I am trying to get this done and my identity is getting stolen as we speak!!!!!
city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly
My bank, Wells Fargo, erroneously reported me as being delinquent on my credit card payments and referred me to a credit bureau. When I called on XX/XX/XXXX they told me that I was paid up on my credit card and there was nothing they could do.
After graduation I had a few months until I needed to start making payments on my private loans. When the time came I went to XXXX/Navient to ask for my options, they gave me two : 1. pay the amount or 2. give us about {$2000.00} and we will freeze your account for 3 months and then you can start making payments. Neither of these were feasible to me because I did not have a job! So I did the only thing I could do and not make a payment and ignore their calls, stupid I know but there was nothing I could do. After a while of phone calls, and emails I finally called they said I needed to make a payment before more damage was done we discussed my finances and I tried again to get a better outcome for myself. Throughout my whole experience XXXX/Navient has misguided, manipulated and straight out lied to me when I when to them for guidance and help from the beginning. I was trying to be responsible and asking if there were options for me and giving me two unrealistic options for a recent graduate at the time. Currently I am still making a payment each month but basically all I am paying is the interest each month and my interest rate seem to just be increasing. I have other federal loans with XXXX and they worked with me and put me on an income based repayment plan. I have no problem paying back my student loans when I can actually afford it. The problem is at this time I can not keep making these payments each month that are not doing anything in bringing down my amount owed. In the end I am simply disgusted with the way I was treated by XXXX/Navient and learning that so many others are going through the same thing as me.
Disputed a late fee due to no mailed statement received in XXXX of 2015. In early XXXX I requested a statement on there web site so I could pay my bill, I did not receive XXXX by mail. The statement was received electronically which I was not aware of and do not remember setting such a thing up or did it by mistake. I paid my bill as soon as I found out it was late less the {$25.00} late fee which at that time I placed a call and asked that the fee be disputed. They have since attached XXXX additional late fees and have attached a credit report " black mark ''.
This company I disputed debt and account was deleted six months ago. Company has  now went re-added this to my report. This account is not mines. I dont know who it belongs too. 

XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$3800.00} Is anything incorrect? Visit our Disputes Guide