WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.
Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.
They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.
1. Issue is student loan forgiveness. I have been employed over the past 15 years with various state and community organizations that qualify for the student loan forgiveness program. I have applied 3 times each time my loan get transferred to another company.

2. I have asked for and investigation because the total amount of loan as reported on my credit reports is not adding up it almost appears to be 2x what it should be and including the payments made over the past 15 years.

3. My concern is that when my loans were refinanced they were refinance with the original loan not the remaining balance.
Hello, I disputed inaccurate I information I found on my credit, knowing for a fact that it will be over with very soon. The results came and I was informed that the accounts has been verified, I wasn't able to get methods of verification nor a signed documents to support their claim. I have a total of 7 accounts 2 of them were awarded to my favor by a court order and the rest isn't mine and came to find that my information was breached and accounts was totally open under my credit without my knowledge.
While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.
the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!
I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.
In XX/XX/XXXX, Evergreen Financial went to XXXX XXXX and collection bills combined for my then husband and myself. He got the paperwork and I did not see it. 
We divorced in XX/XX/XXXX. Evergreen Financial was specifically listed for approximately $ XXXX in his list of creditors. In XX/XX/XXXX, after not hearing from them in several months, I sent them the attached letter, certified. I gave them XXXX 's address. I did get a copy of debts, and paid one of mine off. 
I have discovered that an original {$100.00} debt is now {$500.00}. I was told by the man I spoke too in XX/XX/XXXX that it was my " fault and maybe if I had paid my bills we would not be here ''. At the time I did not have the funds to pay the bill as I was bringing home {$700.00} a month after XXXX had a XXXX XXXX and lost his job.. 
I have attempted to settle the {$100.00} debt, and they refuse. They continue to ask me to make payments that are more than I can afford. In XX/XX/XXXX They got nasty with me demanding to know who my second job was with. They stated that any money I sent would be applied to the debt, but not considered a payment. 
I was also told they will not pursue XXXX, even though they have his information. I have been told to pursue him myself However, he is a threat to me. I have had a restraining order against him in the past. I was told so what. They have been rude to me, told me that if I was a responsible adult, I would not have the debt, and that refuse to make a payment arrangement for the full amount of debt, unless it is what they want. 
I can not afford it and pay my basic living expenses and other debt. Again I was told too bad. 
I have been told by 3 employees they will not pursue XXXX because he did not have income.
I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/Synchrony account/ XXXX XXXX XXXX and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX XXXX, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX   credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe Discover credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of Discover credit card. When I tried to check my discover purchase history, I was unable to find the XXXX XXXX transaction. Also verified with Discover customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call, for the pending charges neither from XXXX XXXX nor from XXXX. 

I have approached myself to XXXX XXXX, XXXX XXXX  & then XXXX for clearing this pending amount appearing on credit report where I raised a dispute with XXXX. 

I received a letter from XXXX on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from XXXX till date where they are not giving me proper response for the queries I raised. 

Could you please investigate this issue and help me to resolve this without penalty charges as this issue happened due to carelessness of XXXX XXXXXXXX XXXX. 

Appreciate your help, Thank you.
Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.
I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.
A QWR and NOE was faxed over  XXXX   XXXX    XXXX   and the lender has not responded. The sale is active while in review for a response to legal challenges. A loan modification packet will be submitted for review.
I paid my loan in full in XX/XX/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them..
I 'm tired of the calls from Synchrony Bank for XXXX XXXX XXXX XXXX Credit Card. I 'm unable to pay the card in the full minimum balance that keeps increasing each month. I talked to them to help in the hard ship situation but they keep calling. I WANT THE CALLS TO STOP!!! I wish I NEVER got the card. 

Apart from this month, I 've missed XXXX payment, but they make it seem as though missed so many. they give you options of amount to pay, if they do n't want me to used those optional payment amounts, why do they offer them, then they call me as though I have n't paid them. Yes, I 'm going through financial hardship at this time, but the calls are so annoying. And I feel harrassed.
My loan was purchased by Nationstar Mortgage LLC and they later stated that they did not have my home insurance escrowed as it was with the previous lender, XXXX XXXX XXXX. I had to pay my home insurance out-of-pocket. 
They took over a year to tell me that my escrow balance was deficient. 
My servicer agent told me he would call me back and let me know if I was eligible for assistance under any of the government programs ( ie. HAMP ) and did not. Next thing I received was a letter from their attorneys saying my loan was referred for foreclosure.
In XX/XX/XXXX I contacted Everbank, the servicer of my mortgage, requesting a modification of its terms in an effort to avoid default. My monthly mortgage payments had recently escalated 24 % when the loan converted from interest-only to a conventional ARM -- an increase that was unanticipated ( as interest rates had actually fallen substantially since the mortgage was originated ) and unsustainable given my financial position. Frustrating conversations with Everbank, the loan 's servicer, eventually yielded a response : my mortgage had been packaged and sold and could not be modified. I subsequently attempted to contact the loan 's " master servicer, '' XXXX Bank, via their Securities Administrative Services Department, in an effort to identify a staff member with whom I could discuss my circumstances. This task proved impossible. I then made a fruitless effort to reach the " trustee '' for the loan, XXXX, which, in turn, represents the actual owner of the note : XXXX. Asset Backed Pass-Through. 

As to my personal circumstances : in XX/XX/XXXX, the recession having taken its toll, I closed my business and am now in the early stages of a new venture. My resources are finite but, with the cooperation of Everbank, XXXX, et al I could make reduced payments, avoid a personal credit crisis, and render foreclosure unnecessary. I have listed the mortgaged property for sale in order to fund a loan pay off -- but the market remains soft in my area and at my price point. 

It is my full intention to satisfy my mortgage obligation. I simply need to reduce the monthly payments until the property is sold or my new business begins to generate revenue. My difficulty is that I can not locate anyone at XXXX, or any of the other entities involved, to initiate a negotiation for the modification of this mortgage. My complaint is that the financial services companies involved with my mortgage are inaccessible and unresponsive.
Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment
I called XXXX XXXX because i was being billed for services up until XXXX but moved out on XXXX. XXXX XXXX told me i had to dispute with online services because they are now collecting on the account. I called in to advise and the representative told me to mail in letter and proof. So i did that. I called back a week later and another representative basically told me that i am responsible for the bill even after seeing the proof that i mailed in.
Seterus claims they paid my property taxes but they DID NOT. They keep saying they have fixed the problem and now I have a negative escrow balance that I do not owe. So unless I send extra money they will not accept my payment. I have been forced to pay them and extra {$180.00} so last months payment could get credited. They said it would be fixed within 7 days and now I 'm forced to pay an additional {$90.00} per month until the {$3300.00} negative escrow balance is paid. I have contacted the XXXX and Seterus has never paid any property taxes. I have documentation showing that I paid them I do n't have an escrow acct. I have forwarded this info to Seterus and they said it was handled and now I find out that they still think they paid property taxes in XXXX of 2015 but they did not. They can not produce any proof of payment either. I feel they are scamming me so I looked online and saw over XXXX complaints of similar nature. They are running a scam where they are adding escrow accts and using the money and will never give a straight answer. I have spent several hours on the phone only to be restarted back ant square XXXX.
I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!
i applied for a mortgage on XX/XX/2017 and was denied because of lack of existing loans, my Transunion credit score was XXXX on that date. I then applied to XXXX for a secured personal loan. I was told that my Transunion Credit Score was XXXX. I went back to the mortgage company and applied again and my Transunion Credit score still XXXX with the new credit report they pulled on XX/XX/2017. I have called a number of times and can not get any response as to this issue, nor can anyone explain to me how I am to rebuild my credit score when it appears there is something else going on that I am not aware of. I am asking for your assistance in resolving and getting a clear explanation as to this issue. Thank you in advance for your help and support in resolving this matter. 
Sincerely, XXXX XXXX
I paid my debt to  AFNI  in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since  2013
I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department XXXX XXXX XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
WHATS NEW ... .I just talked to XXXX XXXX about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my Experian Credit Report. I talked to XXXX they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how XXXX XXXX   ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots
I received a letter in the mail from an alleged debt collector ( Synergetic Communication , Inc. ) informing me that I had 30 days to pay a {$430.00} debt from XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX customer care and collections specialist. I have  no debt with them otherwise I would have NOT been able to have an account with them. This debt is fake and the company is shady at best. I called the number and it was a series of answering machines until I get to the third one where I am supposed to leave a message. Its doesnt say who the message will be for. I dont want this fraudulent debt to affect me or my credit in the future. Thanks.
My fixed rate was changed to a variable rate. I did not receive mail that they insist that they sent. Because rate was FIXED, I did not think it could be changed to variable as long as I kept my account current. This practice is very deceptive and even though they responded to my complaint ( surprise surprise in their own favor ) I want CFPB to please review what happened and suggest changes so that other consumers do not fall victim to this type of deceptive practice. 

Fixed means fixed. My fixed rate mortgage will remain fixed for the entire term. Why would the average consumer have any idea to question that it is any different with credit cards? I never looked for any changes because by signing up for a fixed rate card I did not expect that it could be changed to a variable rate. Chase says they sent me a letter and an update years later but I did not get their mail. I didn't but what if I were to say I got it and sent it back asking them to opt out? If the mail was misdelivered, lost or stolen they would have the same frustration I have now, but they are bigger and they hold the cards so I would be told that since they did not get it that I am out of luck I am sure. Everything is situated to benefit them and that IS NOT FAIR to consumers. 

Cardholders are required to sign for the initial terms of the card, so why are they to opt out if they do not agree with changes that are set to benefit Chase? My theory on this is that there are predictable amounts of people who will not receive their mail or not reply to their 'notice '. They can predict increased revenue based on this alone and the people who don't opt out who really want to keep it ( even though it is not in any way benefitting them ), is just more profit for them. The cardholders best interest is not of their concern. They are already making money on the accounts but this just allows them to strong arm more money from their customers. Very unfair. 

With this premise, would it be ok for me to send them a letter, not registered, no proof of receipt etc telling them that I am going to quit paying my card and that they agree to write off my debt if they do not reply in 45 days. If they do not reply in 45 days I can then tell them and the credit bureau that they did not opt out of my proposal and I can then be free and clear of my debt?
I am filing a complaint because equifax is giving me a hard time in putting a security freeze on my file. My file is being handled by there consumer affairs department and it is always a problem when i need to request anything from them. I need a security freeze added to my file immediately.
The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit
Our family 's information was breached through XXXX. I can not get information for my children 's credit report.