WillisBack/dataset-financial-user-claim huggingface dataset:
I can only give you a very brief information, b/c I had all the paper work at home and will sumbit to you later if you need it. 
It happened about two years ago. I had the Credit Card from American Express. But I discovered that they charged me very unfairly, so I decisided to discontinue the relationship with them. I had spoke to the phone rep. for that and she told me not to worry about it, so I thought everything was in smooth condition, but surprisingly received a letter from the company which charged me unbelieveable late fees and interests each month in following months that none of them are my fault. By then, I could not call them to tell the issue, b/c my XXXX leads me to become XXXX XXXX individual. ( please feel free to inquire the copies from the chat dept. of American Express. ) So I communicated with them thru. chat about the issue a great number of times, but it did not work. So I decided to write to CEO & President both about the situation, but I received no feedback at all and got ignored by both of them ; instead, they reported the case to collection agencies. And I sent an email to the first collection agency, and heard no respond from them. However, I continued to receive letters from collection agencies more than once at this point to tell me to pay the debt. I want to stop the relationship with them but never intended further business with them, I want to pay off my share and close my card and never see/hear from them again, but not with their claim and they tried hard to ruin my credit report record which I should earn my excellent credit record back. Can you help on that? I will be happy to send you any additional inform/documents to support my statement. Please help me to do so.
In XXXX XXXX USAA restricted my online account access after I noticed a bunch of " transfer adjustments '' on my credit cards. These adjustments with no data or information at all I was told were a reversal of a billing dispute which had been finalized 12 months prior. 1. ) This reversal of the billing dispute was illegal as it was performed more than 90 days after USAA was notified of the error. Which is the maximum timeline provided by law to finalize such disputes. These results according to the Fair Credit Billing laws are Final.
2. ) In XXXX I requested all documentation related to this decision be sent to me. We are now in XXXX and the only documentation I have received has been copies of my credit card statements. No where is the many documents and notices USAA has sent me does is any documentation regarding the investigation of the billing dispute from last year or documentation as to the how / why the decision was made by USAA. 3. ) In XXXX I requested Documentation explaining why USAA restricted my online access to all accounts, as well as to the reason they took adverse action in cancelling all my USAA accounts without notice or reason. They only notified me the accounts were closed weeks after they had already been closed. Yet I have still not received a single reason or document explaining these actions. 4 ) I also requested documentation as to the negative and false information being reported the CRA 's. Such as the following : * Auto Loans which were paid in full and closed in XXXX still being reported as opened. * Credit Cards, which were in dispute being reported as dispute closed. XXXX Credit Card balances being reported as at or near their credit limits when this was not the case XXXX Credit Card Balances being reported MUCH higher than they actually were.
5. ) As required by law I have not received any of these documents despite my repeated verbal and written requests for such documents. The timeline allowed by law for USAA to supply such documents has also expired.
6. ) Despite repeatedly asking all documents and statements for all my accounts be physically mailed to me since USAA restricted my online access. As of XXXX/XXXX/XXXX I was notified by XXXX in collections that all documents for all accounts were still set to be delivered electronically and not physically mailed, despite having many USAA agents tell me otherwise. 7. ) I was talking with someone from the CEO 's office until a month ago when he stopped returning phone calls or contacting me as promised. I ask USAA to respond in FULL DETAIL to EACH of the numbered complaints and violations of consumer protections laws. I also ask they correct these errors immediately as their actions have cost me greatly! Due to their freezing my online access and closing all my accounts, holding the funds in my checking and investment accounts for over a month I faced many hardships. Additionally their negative reporting to the CRA 's prevented me from opening other lines of credit or moving my auto loan to another bank who would actually send me statements.
I checked my credit report and found an open account from a payday loan from Speedy Cash opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.
I have paid my payments through Capital One credit card for several years now. In fact, on my personal account they have stated that my payment history is XXXX %, which is good. I paid XXXX payments within XXXX weeks to bring my account under the credit card amount that was issued to me. I paid {$50.00} by mail on XXXX XXXX, 2015 and then another payment through my checking account on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called the representative XXXX ( ID # XXXX ). I asked why was my account held and there was n't any credit on my card. She said that we had to call my bank to verify that the money was taken out because I had a returned payment in the past. She then called XXXX XXXX XXXX. I was then insulted, mortified, humiliated, and felt as if I was treated like a child about my account. Capital One had taken the payment on XXXX XXXX, and cleared the account on XXXX XXXX. They continued to hold my account and did not put any credit on my card until today in which I had to call and demand that they put the money on my card and call the bank to get a verification. Again, this is an insult to me being a paying customer!!! I should not have to call to get my funds released on my credit card!!!!! This does not make any sense I then spoke to XXXX ( ID # XXXX ) Both the representative and supervisor XXXX were rude! I would close my account with Capital One if I did n't think that it would affect my credit!!!
I do not owe Bank of The West any money and I did not settle any debts for less than the amount owed.
I have sent disputed documents in XXXX, XXXX and XX/XX/XXXX to all three credit burueas TransUnion, XXXX and XXXX  disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
I took out a {$11000.00} student loan through XXXX in XXXX and it went into deferment because of school. I then joined the XXXX in XXXX. XXXX kept my loan in deferment without contacting me ... I was no longer in school so my loan should n't have been kept in deferment. I consolidated my student loans right before I joined the military and I had thought the XXXX loan was consolidated with the others. 
I did n't find out until I went to buy a house XXXX XXXX that I had this " student loan '' that had been just sitting in deferment for years! 
I contacted XXXX and asked why it was in deferment for another 5 years and why they did n't contact me and WHO approved this. I asked for any supporting documents stating that I put this loan in deferment ( knowing it was n't due to school because I had already graduated! XXXX XXXX could n't give me any reason as to why my student loan stayed an extra 5 years in deferment and why I was never contacted with any information during the 5 years! 
My loan went from {$11000.00} to owing {$19000.00}. 
XXXX then quickly transferred my student loan to American Education Services and I have yet to figure out why my student loan nearly doubled. 
Please help! I am currently paying on my student loan monthly and currently owe {$19000.00}
I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.
BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD
the collection agency notified trans union to remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX Open {$280.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$280.00} High Balance {$220.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX
I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.
Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/XXXX - XXXX XXXX, XXXX
I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.
On XX/XX/2018 I received a payment in the amount of {$2700.00} from XXXX XXXX XXXX XXXX Indiana from his personal Bank XXXX XXXX sent through PayPal as a personal payment PayPal transaction ID : XXXX. He Purchased a large Lot of remote control trucks and a large amount of brands new, used, and opened package parts for the trucks that shipped with the trucks. I shipped 2 very large packages via XXXX. Tracking numbers : XXXX, XXXX. Both of which were signed for by a XXXX as the tracking shows. Once XXXX received my items he then proceeded to go through his bank and file a fraud form stating he did not recognize the transaction and did not approve it. By signing this form his bank XXXX XXXX returned the {$2700.00} back to him taking it out of my PayPal account XXXX without my consent or even contacting me first to explain the transaction. So XXXX XXXX now has the {$2700.00} and my items. I then contacted his bank to inform them of this transaction and the proof for selling XXXX XXXX these items and receiving the payment sent by XXXX to my PayPal account as well as tracking numbers providing proof he signed for them himself and pictures he ent me stating he received the boxes. The Bank the. Told me by XXXX signing this fraud form due to their ACH rule they will take their customers word that they are telling the truth regardless of the evidence I have proving he has my items and my money. On XX/XX/XXXX Paypal withdrew {$2700.00} from my account without my knowledge or consent. And oddly enough my paypal account does not reflect this withdrawal of the {$2700.00} in my PAYPAL balance. Paypal owes me {$2700.00} to reimburse what they took.
I have called this company several times trying to dispute this debt they said I owed even tried to get my insurance to pay off something I had no clue about I asked them to provide me proof that this is me and still can't get a reasonable response.
I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX
I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.
I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.
Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor?
On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.
I opened a 48 month Auto Loan with XXXX XXXX XXXX XXXX. The Loan amount was for XXXX. The account was opened on XX/XX/XXXXand closed onXX/XX/XXXX ; the total length of the Loan was 3 years 7 months. The loan was paid off early, and my payments were 100 % on-time with know missed payments in the 3 year 7 month term of the loan. XXXX XXXX XXXX XXXX properly reported that the Loan was successfully completed, and the account was closed successfully. After the successful report from XXXX XXXX my Credit Score dropped from a XXXX to a XXXX ... a 40 plus drop in my Score.

My dispute Is Not with XXXX XXXX XXXX XXXX ; XXXX XXXX properly reported the term of the loan for almost 4 years, this is a XXXX XXXX XXXX. My dispute is with the Credit Bureaus Itself. My Credit Score dropped over 40 points for closing a account for XXXX dollars, that I successfully maintained for almost 4 years, with 100 % on-time payments. I did not get any positive rating or increase in my Credit Score at all for paying off a XXXX dollar Auto Loan successfully. I am respectfully requesting that the CFPB investigate this matter. Because if this is happening to other Hard Working Americans and Military Veterans, the CFPB should be putting a stop to this injustice immediately. Thank you for your time and consideration on this matter.

XXXX XXXX XXXX
This letter is as result of my complaint filed with your agency with case number XXXX and a follow up from Chase with case numberXXXXXXXXXXXX : From the onset, Chase started by stating on XXXX XXXX that no payment was received on XXXX XXXX not taken cognizant of the fact that I was informed that I could utilize the credits granted on that same month following my complaint to your agency, notwithstanding the letter that was sent to you that the credit will be reflected on XXXX XXXX. In fact the XXXX XXXX indicated that {$0.00} past due was owed. 
Chase also indicated that I closed the account on XXXX XXXX, XXXX, that was not a true statement, Chase closed both my personal and business account with the latter having a {$0.00} balance.Chase then reported the inaccurate figure to the IRS and again reported another inaccurate figure to the XXXX credit bureaus. 

If you look at the XXXX XXXX, XXXX letter that was sent to you, Chase indicated that the amount credited was " Courtesy Credit '' which meant it was not going to abide by the promised 1 % .rate. Chase also stated that I entered into balance liquidation program which was inaccurate as I was in negotiation with it on how it should honor the 1 % program. Chase eventually reported an inaccurate amount as a charged off amount since, if it honored what I was promised, there would not be a charged off account. nor would there be complaint to your agency. My account with Chase should be taken into context. As Chase stated, I opened an account with it on XXXX XXXX, XXXX without any late payment until the I noticed that I was been cheated. Reporting the account as a charged off instead of providing me with the promised rate had a lot to do with my complaint to your agency. 
The action it took against me also had a horrific effect since XXXX XXXX XXXX eventually removed a credit card line of credit in the amount of {$29000.00} from my balance informing me that it will be risky due to what Chase had done.. An account that I have built for over a couple of decades. 
I requested the XXXX credit bureaus to remove the negative information from Chase, and every XXXX of them took over 30 days to report back to me that Chase was not going to remove this information in direct contravention of Federal Credit Reporting Act. 

Finally, your agency should take a look at all the Court actions against JP Morgan lately with it 's credit card holders and most importantly with the fact that restitution was paid to me as part of the class action memebr by Chase on XXXX this year with regard to the business practices of credit card holders in Florida.
There is a clause in the loan agreement which I feel strongly should be void ab initio and void as against public policy on the grounds that it seeks to limit federal statutory rights. The portion of the contract states, " You further warrant that [ ... you ] have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. '' Bankruptcy is, to the best of my knowledge, a right guaranteed by statute, and can not be limited by contract or otherwise.
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC Equifax was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )
I have made several calls Chase Bank in order over the past three months or more.

I attempted to receive clarification regarding what I was being charged. I was never provided with a clear explanation of charges.

Even when I went to a branch office located 20 minutes by car from where I live. The branch officer printed a copy of my bank statement as it pertained to my credit card account ; but was unable to explain to me, why I was being charge more money than I had spent on my statement.