WillisBack/dataset-financial-user-claim huggingface dataset:
I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CAP ONE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
On-site is reporting 4 different inaccurate judgements. They are duplicating each one. One of them has a sealed record and should not be appearing at all which has a file date of X/2011. Yet it is appearing as vacated, I lived in that unit for 3 additional years so again it was sealed. The other judgement was vacated. With a file date of X/X/2011and it is showing it is owed. The attorney acknowledged that it should not be appearing.
This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.
My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. 

I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. 

I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. 

What do I owe once that process is out of default? 
What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? 
Who then owns my payment and the regulations? 
Do I still owe XXXX % commissions to GC then or are these dropped? 

I want to know where I stand on my 2015 tax return. 
Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? 

Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. 

Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?
On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.
Back in late XX/XX/XXXX, I moved to XXXX XXXX, CA and found a residence to lease at : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA. I found the ad on XXXX and we were planning to stay at the advertised property from XX/XX/XXXX through XX/XX/XXXX. After replying to the ad, the seller, XXXX XXXX, contacted me and we were able to work out an agreement. I was sent a lease agreement with all of the details and was instructed to send payment via XXXX in the amount of {$4200.00}. That amount was sent over XXXX using my Chase Visa credit card, and I was charged an additional {$120.00} bringing the total amount to {$4300.00}. I was asked to send the money though XXXX to the email address of XXXX XXXX, XXXX. The payment was sent on XX/XX/XXXX, which I received a receipt from XXXX XXXX on XX/XX/XXXX. After further investigation, I saw the same property and listing on Trulia.com and contacted the property manager, XXXX XXXX who works for a real estate company called XXXX, and was informed that the owner lives in XXXX. XXXX had never heard of XXXX or XXXX, which leads me to believe that I was involved in a scam. After communicating with XXXX via email, I was told I would receive a refund for the full amount, however, that has yet to be collected. Initially, I reached out to XXXX on XX/XX/XXXX, created a dispute, and was told that I could not be refunded due to the way the money was sent. I was instructed to contact Chase bank and explained the situation to them, and was initially refunded the {$4300.00}. Relieved, I stopped all contact with XXXX and XXXX. On XX/XX/XXXX, I was re-billed the entire amount and I immediately contacted Chase. I was told that Chase did not have the required documents to support my claim, so I faxed in supporting documentation on XX/XX/XXXX. This included rental receipts, a signed lease agreement, email correspondence with the sellers, text messages, and a letter describing my situation. I was told I would have a response within 30 days. Chase dated a letter to me on XX/XX/XXXX that their " latest review confirmed that the charge is valid because our ability to successfully pursue a refund depends on how well we can document our case against the merchant '' and was denied the refund. I immediately called Chase and was instructed to resubmit all of my paperwork with a new letter explaining the situation and another department would investigate the charge. I resubmitted the paperwork via mail in early XX/XX/XXXX and received another letter dated on XX/XX/XXXX confirming their initial findings. I never stayed at this property, nor met the sellers that had advertised it on XXXX. I have submitted a complaint with the federal trade commission on XX/XX/XXXX and have yet to hear back. I paid for a property with my Chase credit card through XXXX and never received a product.
I have four different promotional purchases through Care Credit. 
Transaction on XX/XX/XXXX was for a total purchase of {$880.00} and still has a balance of {$550.00} because Care Credit has not placed my {$200.00} per month toward this promotional purchase first. 

Instead they have placed my payment to a transaction from XX/XX/XXXX that was for {$3300.00} with a balance of {$1100.00} remaining that does not have a promotion ending until XX/XX/XXXX.

The transaction from XX/XX/XXXX has a promotion ending on XX/XX/XXXX so with Care Credit not applying my payment to the oldest transaction first they are fraudulently going to charge me {$380.00} in interest on XX/XX/XXXX that should not be due as I have paid over {$3400.00} since this transaction incurred and they have not paid off this transaction first. 

I believe this to be fraud and I have called Care Credit and spoke to XXXX Agent XXXX out of XXXX XXXX Michigan and she stated she can't do anything about it the system won't allow due to some regulations. This was not disclosed to me and I believe that Care Credit is trying to bait and switch customers with this practice. 

I want it evaluated and I need assurance that they will apply the payments to the oldest transaction first and assurance that this erroneous deferred interest charge will not hit my account.
I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.
Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.
This complaint is with my Discover card account. I had n't used my card in over a year. In XXXX and XXXX, 2016, i had 2 automatic payment deductions from my bank account, as i had auto pay set up. Since i had not used my card, I contacted Discover card and found a fraudulent charge in XXXX 2016 from Intertrade corp for {$100.00}. They closed my account, issued me new cards and stated i am not responsible for the fraudulent charge and subsequent payments. They provided a credit on my new acct. of $ XXXX+ for the XXXX charges against my bank acct. I used the card to bring the balance to almost XXXX. Then Discover keeps putting the {$70.00} charge back on my card. Each time, ( 6 times contacting them about the same issue ) they reverse the charge stating they have no idea why it keeps getting put back on, as the entire transaction was fraudulent to start with.I last spoke with Discover on XXXX/XXXX/2016 about this, on XXXX/XXXX/2016 my balance was again brought to near XXXX. On XXXX/XXXX/2016 the {$70.00} charge was back on my card. I am calling them tomorrow ( XXXX/XXXX/2016 ) for the 7th time regarding this fraud charge. I have no faith in their ability to resolve this matter. I want to have this resolved, so i can close this account without negative repercussions on my credit report. Any help would be greatly appreciated, as i am getting nowhere speaking to their customer service.
Chase has had me o n a penalty rate of 29.99 % for years. My card has been paid on time for years and my credit sore is in the high  XXXX    XXXX  . Each time I call they say nothing can be done. I understand the credit card act of    2009 provides for issues like this. According to a credit card group Chase is supposed to review accounts and after six on time payments they reduce the interest. I have bee n ON TIME for years. I called just today and got the same run around. Is there something that can be done? I was forced into retirement several years ago and this really hurts!
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XX/XX/XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is Finkelstein, Kern, Steinberg , & Cunnigham, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX It was very intimidating and the phone conversation was intimidating as well.
I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.
In XX/XX/XXXX I went on line to pay my account and notice two of my accounts were closed without me knowing, never received a letter or nothing. I called on XX/XX/XXXX and spoke to a credit specialist at Capital One asking why were my accounts closed and he ( XXXX ) couldn't tell me. Both of these accounts were open XX/XX/XXXX/XX/XX/XXXX never been 30 days past due on never account. I been trying to establish good payment history to better my credit. These can't be right how companies mistreat consumers like me.Now it's showing on my credit closed and credit score has gone down.I needed these two accounts to build my credit up.I called again the following day and Capital One just told me to cut cards up and make sure I pay the bill mthly.Is this right?