WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.
Synchrony bank is one of the ONLY credit card companies that does not play well with financial data aggregators like XXXX, XXXX, and other companies that help me aggregate my assets and liabilities to better mange them. 

I have this same problem with my Gap Visa that is also managed through Synchrony Bank. 

Hello, its XX/XX/2018!
BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.
I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.
XXXX XXXX XXXX took me to court by and through their attorney`s XXXX and XXXX. On XX/XX/XXXX XXXX XXXX XXXX lost thier case in the District Court of Maryland and Judgement in favor of Defendant was entered into the record. Case # XXXX. 

For over two years XXXX XXXX has reported this still as a debt in collections. 
I contacted them and their XXXX XXXX XXXX. XXXX acknowledged this was closed and they lost and informed XXXX of the same. 

XXXX XXXX is refusing to update my credit report to reflect they are not owed the money and the account is closed. 
This resulted in my being denied a loan on an investment property,
Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.
I applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.
HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!
I have a mortgage that is being serviced by Nationstar Mortgage. I tendered my deed in lieu of foreclosure back in XX/XX/XXXX and was told to move out of my house by XX/XX/XXXX. Shortly before the XX/XX/XXXX date I was informed by my contact person there that there was a problem with a " power of attorney '' that was delaying the closing of the transfer. After more inquiry I learned that Nationstar alleged that they did not have all the documents necessary to have an interest in the property since XXXX, the former servicer of the debt, had not sent in all the proper paperwork in XX/XX/XXXX or so. This " delay '' has continued since. I was informed via letter received XXXX ( although dated XX/XX/XXXX ) that matters would proceed to a closing in early XX/XX/XXXX. I again hustled to move the remainder of my items out of my old house to meet the deadline when I was informed by another letter that things had been pushed back to XX/XX/XXXX, then subsequent identical letters to XX/XX/XXXX and then XX/XX/XXXX. I made contact with XXXX in the Fall of XX/XX/XXXX and they informed me that they had completed all the paperwork and there was no problem from their end. I examined the chain of title to my property, and I found that Nationstar did not have a recorded interest in the property from XXXX to them. They did have a recorded transfer from Nationstar to XXXX in the Fall of XX/XX/XXXX. Coincidentally, XXXX filed their transfer from a prior servicer, XXXX, in the XXXX of XX/XX/XXXX, but the actual transfer took place in XX/XX/XXXX. I am upset that I have been paying Nationstar since XX/XX/XXXX and they do not have any proveable interest in my mortgage, and still do not have XXXX to this day. They apparently transferred whatever interest away in XX/XX/XXXX, but have failed to disclose that to me. Consequently due to the delay I have incurred multiple moving bills, had to maintain utilities on XXXX locations, and lost my original house that I was moving to to an arson fire because I could not move in to secure it. My phone contact person at Nationstar told me that the original letters indicating the need to vacate by XXXX and then XXXX were not sent from her office, but by another Department at Nationstar. Incidentally, I was on the verge of filing to participate in the national settlement that XXXX had entered into about these mortgage loans when they abruptly informed me that they transferred my servicing to Nationstar.
On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.
In XX/XX/XXXX, I asked the IRS to grant a withdrawal of Federal Tax lien. I received confirmation of withdrawal on XX/XX/XXXX. A week ago on XX/XX/XXXX, I obtained from the court 's clerk a copy of the recorded IRS form XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release ''. The form has the stamps that it was recorded by the clerk for the superior court of XXXX XXXX, GA on XX/XX/XXXX. On Monday night XX/XX/XXXX, I filed an online dispute with Equifax asking they remove the public record of this IRS tax lien and I uploaded the above recorded form of withdrawal as proof that this tax lien was withdrawn. Today, Equifax sent an email that they had investigated and confirmed the original tax lien of XX/XX/XXXX, and would do nothing further. Therefore they are refusing to update my credit report by deleting this public record.
I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...
Navient ( formerly Sallie Mae ) has been contacting my family members and friends regarding my account and I have no idea how they obtained their personal information. I believe this to be a violation of personal information, not only for me, but especially for those who are now being contacted on behalf of Navient. When I applied for/obtained the student loans while attending University, I only included my own personal information and never referenced any of these individuals at any point. 

Thus far, two family members and my boyfriend have reported that they received calls from a Navient representative today ( XX/XX/2019 ) requesting to speak about my account. The incoming number that displayed on their phones was : XXXX and the callback number they were provided was : XXXX ( along with a reference number ). If need be, I can share screenshots of the messages I received from them notifying me of the " odd calls. '' At this time, I am refraining from sharing them because their personal names/details are viewable and I do not want to risk further exposure for any of them. 

I have never shared personal details associated with either of these family members nor have I ever shared any personal details related to my friend. Of the two family members that were contacted, only one shares the same last name as myself which has led to further confusion regarding how Navient obtained their personal information. Additionally, both live in a US state that is not associated with my previous residence/University and we only keep in contact through social media/email ; not even I had their personal numbers. I thought it might be possible that Navient is obtaining their information via my XXXX social media account ( although I have it set to " Private '' at the highest level ), however, it would not explain how they obtained my boyfriend 's information since he does not have any online social media accounts and he intentionally avoids sharing personal information ( especially contact details ) online.

Based on the information that has been relayed to me by these three, Navient contacted the first family member ( same last name as myself ) and then contacted the other ( different last name ) approximately 30 seconds later. It is not clear to me yet as to when they called my boyfriend ( he notified me via text message that they contacted him while he was at work ), nor is it clear as to who else they may have tried calling to discuss my account. 

Again, I am extremely concerned as to how Navient obtained personal details of individuals whose information has not been shared with them before. I called Navient via the provided callback number during business hours, however, I was unable to successfully get them to address this. When I made contact with a customer service representative and began discussing the occurrence, they informed me that they were transferring me to a different department, and then the call disconnected. I tried calling them three different times only to experience the same disconnect.
I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. XXXX XXXX XXXX : XXXX : XXXX Experian : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX : XXXX : XXXX XXXX XXXX Experian : XXXX
please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
XX/XX/XXXX I opened XXXX accounts in Bank of America ( Savings & Checking ) XX/XX/XXXX My father wired {$14000.00} to my account through XXXX XXXX Office XX/XX/XXXX I traveled to XXXX XX/XX/XXXX Signed in to my online banking app and checked the amounts ( See attachment B ) XX/XX/XXXX {$2000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$2500.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$6000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$3400.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX Received an email from BOA stating that my account balance is under {$25.00} ( See attachment B ) XX/XX/XXXX I transferred {$25.00} to my account ( My only transaction while in XXXX ) XX/XX/XXXX I got an email from BOA ( See attachment C ) but I could n't access my accounts online XX/XX/XXXX {$32.00} of {$14000.00} got into my account ( See attachment. A ) XX/XX/XXXX Back from XXXX, Contacted BOA, I was informed that my accounts have been closed. I could n't get any of the communications between BOA and me in written form XX/XX/XXXX I received XXXX cashier 's checks for my account balance ( See attachment D ), the bank had taken all the fees I owed on my accounts, including my credit card debt ( total credit limit= {$700.00} ). Taking all the fees into account ( I was denied from access to my banking records, so it was a rough estimate ), there was a large sum short. I called the bank asking about the missing amount, I was told that the bank has claimed {$6000.00} of it due to my " illegal activities ''. XXXX XXXX XXXX ( from Global Financial Crimes and Money Laundering Department, if I remember correctly ) refused to provide further information other than claiming that the source of the money was on some kind of list for money laundering and the person who wired the money could not have been my father. 

Since XX/XX/XXXX I have received notes from Bank of America ( See appendix E ), followed by phone calls from a debt-collecting agency, claiming that I owe {$1300.00} to the bank.
I submitted a dispute in XXXX 2017 to Transunion regarding the reporting of 2 state tax liens.  Transunion stated that the information was verified as accurate. Transunion lists the reporting agency as XXXX County Recorder ( XXXX ) XXXX. I contacted Transunion for additional information and I was told by the Transunion customer service representative to contact the number listed on my credit report for XXXX County Recorder. I contacted the number listed and was advised that they do not report information to the credit bureaus and that they can not verify if the information listed is accurate. I am requesting that Transunion delete this information based on the fact that this information is not submitted by or reported to Transunion by the XXXX County Recorder.
I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham.
THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.
We have experienced loss of income due to a critical health problems in our family We have contacted ACS on numerous occasions only to get a run a round We want interest removed and our rate lowered in order to make these payments We have always tried to make these payments but they are pushing us to financial ruin
I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.
i am going to waste my time once more to ask for help against XXXX credit card company. I had to close my excellent open account with 0 balance that I had for many years, because XXXX would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from Transunion , but my XXXX card is no where to be reported, it was there in XX/XX/XXXX. I call Transunion they say there is no record of it and I need to call XXXX to get it reported. I call XXXX, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO TRANSUNION. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.