WillisBack/dataset-financial-user-claim huggingface dataset:
2 months ago, I contacted Citibank Thank You Preferred credit card customer service requesting a temporary reduction in my interest rate as I had some unexpected expenses and inquired why my payment had jumped from the {$300.00} range to the mid {$400.00} per month. I said I had not made any additional purchases and the representative said that no they can't help me with any interest rate reduction and she started reviewing my account. She said " Oh, I see what is happening, you are being " punished '' so to speak with an additional interest rate being added to your already existing interest rate because of two late payments in a 6 month period. And that remains for 6 months and I was at the end of the punishment period, so that payment amount should drop on the next statement. She since she couldn't help me with reducing my rate, she would give me XXXX thank you points which I haven't seen on my statement either. 
Well the payment didn't drop, it remained in the mid {$400.00} range and what they are doing is wrong. Gouging customers for late pays with additional interest rates on top of the existing they are already charging and that is on top of late fees. Citibank is on the East Coast 3 hours ahead of us, so when we make our payment on the due date here in California, and because my work hours I've had to make it after XXXX at the ATM at a local branch, and its considered late because in NY its the next day. I have call the relationship manager in my local branch left 3 messages and never received a return call. I want to change the due date on my account, because of when my check arrives in the mail, and the local branch is of no help at all. I am shocked at what they are doing and it is wrong. Gouging customers with so much interest rate charges it makes it difficult to make the payment.
The debt was made back in XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off XXXX of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX. The collection is XXXX
the scam of XXXX days same as cash for furniture, I purchased {$1500.00} of furniture and was financed by Acceptance Rentals, an additional charge of {$3100.00} was added on to my {$1500.00} purchase a total of {$4600.00}, for XXXX mattresses, bunk bed frame, XXXX box spring, a loveseat and small sofa, that cost {$1500.00}. I contacted the lender and was told that the additional charges of {$3100.00} was for the cost of the lease agreement being maintained, and that they do not charge any fees or interest on the initial loan of {$1500.00}, and that {$62.00} of my $ XXXX monthly payment was applied towards the cost of the furniture and that the remaining {$130.00} was for the depreciation of the furniture while I have possession of the furniture. I want to know what law authorizes such predatory behavior upon low income consumers who rely on credit to afford their basic needs of living. My payment is $ XXXX monthly for XXXX months total cost is {$4600.00}, what a rip-off. I was told by the store representative that processed my application that I can pay of the {$1500.00} in XXXX days and owe nothing and the furniture belongs to me and in the event that I cant pay of in XXXX days, any monies I paid towards the {$1500.00} will be applied towards any remaining balance and that remaining balance will be spread out in the XXXX months, so I was made to believe that remaining balance from the {$1500.00} is all that I will have to pay off in XXXX months resulting in {$62.00}, not this outrageous new additional charge of {$3600.00} for some lease maintenance and the depreciation of the furniture while in my care. I am paying to own the furniture in XXXX months so why am I being charged for the cost of the depreciation of the furniture, the manager told me that in case they have to repossess the furniture for non-payment that the furniture will lose value and they cant sell the furniture to reap their losses, but they never put all this information on the lease agreement I got from the store clerk. the lender further states in the agreement that any statement made by the store personnel is not part of the agreement and that THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE, their agreement also states that although they do n't conduct a CREDIT CHECK BUT RESERVE THE RIGHT TO VERIFY ANY/ALL INFORMATION PROVIDED ON YOUR APPLICATION, yet the store personnel pulled my credit report and based on my credit score it determined how much money I will be loaned, the lender is in partnership with the store merchant to conduct business on their behalf to solicit customers and advise customers of the lenders guidelines and they just ripoff the poor consumers,
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.
I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.
XXXX, formerly XXXX XXXX XXXX, has my loan. I asked, back in XXXX ( well, to be honest, I had previously asked the former owner/servicer of the loan, Guaranteed Rate, before XXXX, but XXXX XXXX XXXX got my loan after that, so I had to start all over ) to do a loan assumption. They sent me the list of things they needed, and I immediately sent the documents to them, along with a {$400.00} loan assumption fee. They got the paperwork and fee back from me in XXXX. Now, 3 months later, they still have not completed the loan assumption. In fact, they will not even tell me that they are starting the loan assumption. See, the problem is that I can not get them to talk to me at all. I have been given a " single point of contact '', but she almost never answers her phone, she never returns me calls ( I leave her lots of voicemails ), she never replies to my emails. Even her manager is now in on the act. He won't reply to me anymore, nor is he apparently having her reply to me. They are obviously purposefully stalling me and stonewalling me. They can not possibly be this inept. It has to be on purpose.
Macy 's is charging me a { {$2.00} } " Minimum Interest Charge '' fee on a XXXX balance credit card account. My Balance was XXXX on my XX/XX/2017 Statement. I pad the balance in full on XX/XX/2017 way before the end of the billing cycle. On XX/XX/2017 I was charged a {$2.00} fee. This has happened to me several times in the last few years. I want Macys to respond to this and let us know what is being done to fix it. How many other customers just pay the fee? When I called macy 's, they told me it was not an issue and I will always be charged this fee unless I pay the balance in full every month. We should not have to make a phone call and wait on hold everytime this happens. They need to fix this.
Diversified Consultants Inc is the third debt collector that has tarnished my credit over the same account that has been closed for years. If there was ever debt associated with the account it would be dormant by now. Diversified Consultants Inc have reported incorrect and misleading information on my credit report and have threatened to sue for judgement of debt they have provided no detailed information on. They have altered the date in which the account was reported as open/closed falsely representing account data on a dormant/closed account.
Thunder Road Financial has came to my house several times and all hours ( XXXX XXXX ). They have taken pictures of my home, cars in my drive way and talked to neighbors. Now they are texting everyone from my phone book. I believed they hacked my phone account because they are calling my in laws and I didnt even know my in laws 3 years ago. They are texting my deceased fathers ex wife and her son and I have no contact with them in a year. I called them and advised them to stop harassing people I know and they hung up. The man that text everyone gave my name and some case number. So everyone got worried about me and called.
XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX. 

Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores
I received a XXXX from Ditech ( formally Greentree ). I also received a letter this week saying the XXXX was incorrect stating it was a mortgage instead of a car lease. The original creditor had charged of this debt in XX/XX/XXXX. They did not attempt to collect it from me nor put it on my credit report because they had accidentally repossessed the car while it was in current status. They then delivered the car to the wrong address and I found the vehicle a couple weeks later damaged. The original creditor refused to pay the damage and I of coarse refused to make any more payments until they did. 8 years later a company called Greentree was sent this debt as a mortgage. I hired an attorney and Greentree agreed to remove it from my credit report and cease collection activities. I then started receiving collection letters 3 years after the mtter had been resolved. The attorney that handled for me contacted Them and the stopped once again. Now Greentree has become Ditech and is trying to avoid paying federal income taxes by filing a XXXX on this debt that charged off in XX/XX/XXXX and the original creditor never attempted to collect from me nor ever pout on my credit report because of their error. This has been a very upsetting ordeal because I was forced to hire the attorney because Greentree would only yell at me when I called and would not let me explain this was not a mortgage debt. By not having the correct XXXX by this date XXXX/XXXX/XXXX it has made things very difficult for me because I do not want not file a tax return that is incorrect.
After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal
This account does not belong to me. I reside in California and it stating this account was for gas services in XXXX XXXX Nevada. I disputed this with XXXX and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
I opened a Chase Freedom account in XX/XX/XXXX with an introductory offer of 0 % APR for 15 months. I have made regular payments of at least the minimum payment due for the life of the account. I anticipated the intro APR would expire in XX/XX/XXXX and I was prepared to make a full payment for the balance of my account. However, the XX/XX/XXXX statement did not indicate that the APR would revert immediately as of the statement date and would begin being applied daily to my outstanding balance. The 0 % rate was noted to expire as of the date of the statement, but misleadingly juxtaposed with the 17.24 % rate listed with a {$0.00} balance subject to the respective interest rate. At the time, I was surprised that both the intro and the new interest rate both appeared on my statement, and so believed that the billing cycle for XX/XX/XXXX to XX/XX/XXXX would be a grace periodas if the balance held during this time were the equivalent of purchases made prior to the XXXX statement and would only require payment by the due date listed on the XX/XX/XXXX statement to avoid interest. Much to my dismay, I received the XX/XX/XXXX statement to find that interest had been accruing as of the date of my last statement. I made an immediate payment on the same date for the entire balance.
During high pressure meetings with XXXX XXXX XXXX I was pressured into enrolling and taking on a loan in the amount of about {$70000.00} with XXXX XXXX XXXX. This was to be used to pay for my entire XXXX XXXX training program in advance. In 2006, the school filed for chapter XXXX bankruptcy and offered no forgiveness or help with this loan. We filed a class action suit to have this debt wiped away, but it was settled for a lesser amount. I was still left with a loan of about {$33000.00} to pay for. My training was never complete and I am not eligible for employment as a pilot in any capacity. Basically, I received {$33000.00} worth of helicopter rides. Recently, my loan was sold to Reliamax.
I previously owned a home and it was re-financed w/ a partner who had vested some capital to keep it from foreclosure. Due to economy recession I rented the property.. The partner had forcefully moved in by changing locks on a new renter. Later the loan was modified without my authorization or knowledge by the vested partner. The partner failed to make MGT payments and the home went into foreclosure. NationStar Bank would not work with my attorney towards re-modification of the MGT even though I had completed a Modification Package they sent me. NationStar failed to follow up with me or my attorney towards making the arrears current and forclosed on the property as it had significant equity. It sold the property for XXXX + Profit.
New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.
Portfolio Recovery continually keeps harassing me at my place of business even though they have been told repeatedly to stop calling me at work. This is causing my boss to become irritated and I am at risk of losing my job due to the constant phone calls.
I opened an account at Citizens Bankers several years ago. I have a XXXX and frequently do not read the statements. 

Finally I realized the money was going out too quickly and went to the bank. They found that the money had been withdrawn over a period of months through XXXX to Colorado! 

The XXXX was consulted an did nothing for several months. Then they said they could not take the case. 

Citizens Bank says the money was withdrawn through a XXXX account that I set up. So they are not responsible. Yes I did set up the account a couple of years earlier and I not know that it should be closed. I just sent money to a friend one time! 

I lost about {$40000.00}! it was all withdrawn in {$320.00} dollar increments sometimes many times in one day. Is the bank really not responsible to alert me about any of that when they say that they will protect the money of their depositors? Surely there are violations of banking laws here! 

Apparently no attempt has been made by the police in XXXX to call Colorado to follow up and identify who has been stealing the money. 
There are many more pages of statements if you need all?
We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.
I got a phone call on XX/XX/2019 saying that I have debt ( {$300.00} ) owed to XXXX XXXX XXXX, which I never visited before. The representative says she is from FAIR CAPITAL LLC. XXXX License # XXXX XXXX. 

The company also knows my personal information, so I'm afraid it is either a fake debt collection company or it is a real one that steals my personal information to scam me.
BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.
The company XXXX XXXX said they sent certified mail and made numerous attempts to collect a debt and thats not true I tried returning their equipment they wont except it and trying to make me pay {$4000.00} for a debt that is {$400.00} they said after the attempts to contact they sent the debt to collections but they never contact by mail at all so they forwarded they account to collections without proper notification and have violated my consumer rights
Sent certified letters to advise the info is incorrect and letter that creditor agreed to remove. Still not corrected from XX/XX/XXXX