WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted documentation to the three credit bureaus to correct the information that is reported to my credit file. The information state there is a high balance on this particular account when this account was paid in full ; After three separate attempts this account was eventually updated and deleted from the to credit bureaus XXXX  and XXXX. Unfortunately this account is continuously reported to Experian showing a high balance which in the account was paid in full. I request that this account to be verified of this amount or deleted immediately. And if this account is indeed verfied of this amount I request the original signed contract of this documentation with my original signature stating that I owe the additional amount. If There's no additional amount owed I request that this information to be deleted from my credit report immediately corresponding with the deletions that XXXX  and XXXX made.
i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud
Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.
I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.
Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.
Syndicated Office Systems/Central Financial Control Amounts of {$100.00}, {$120.00}, and {$1800.00} After XXXX attempts to have these debts validated they keep coming back " verified '' but have yet to provide proof that I owe this debt, they have the authority to collect, a written signature on a contract. After multiple attempts to dispute via the collection agencies as well as the credit bureaus the information provided still is n't sufficient enough to show that I owe said debts. I want this information removed immediately since this is a violation of my rights as a consumer.
This complaint is geared more towards Experian but all XXXX bureaus fail miserably My complaint is at Experian for the mishandling of XXXX creditors, XXXX and XXXX XXXX. 

The dispute system is broken, all XXXX credit Bureaus do not allow for you to provide proper information or documentation as to why we the consumer are disputing, so as creditors report back they accept whatever the creditor states, without requiring proof to validate their claims and we never get a copy of their response Then both the creditors and credit bureaus use an antiquated ( Snail Mail ) when we have faster ways to communicate, reporting agencies hold XXXX consumers hostage in how they report and cost consumer 's XXXX dollars in their failed reporting and verification procedures
Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on. 

We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment. 

When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized
XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX  ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and  contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month. 
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter. 
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.
I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.
Please refer to previous complaint ID XXXX. 
XXXX XXXX re-opened an investigation after my first complaint. 
They send a Account Originating document that did not have a signature.

The second " investigation '' concluded with the exact same explanation of : " Account opened greater than one year with verifiable payment history ''.

Synchrony did not send and other documents, or give any other explanation.

My explanation to them was that a " known '' person hid this account from me, and did make payments out of their " private '' account.

I discovered the Credit account in XX/XX/2018. The " known '' person continued to make payments until XX/XX/2018, and has now stopped. So, I am stuck with an account that Synchrony hasn't provided a signature of who opened it.

For the first time today, I registered online to access the account and make a payment, to avoid a late fee. I pray this doesn't constitute my " authorization, or agreement '' as to this account, as I insist that I protest it's existence.

I am not able to have a legal battle with a company the size of Synchrony.

If anything, I want to let it be known how easy it is to open a credit account using the personal info from someone else.
On XXXX/XXXX/15 I mistakenly sent a check to my BOA credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my BOA checking account. On XXXX/XXXX/15 BOA charged me {$220.00} as a " cash advance " fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department.
PLEASE PROVIDE ALL INFORMATION AS BELOW TO VIA MAIL DO NOT REFER ME TO THE WEBSITE OR A CUSTOMER SERVICE NUMBER AS BOT OF THOSE OPTIONS ARE NOT RELIABLE AND ARE ACTIONABLE CAUSES. THIS A DIRECT REQUEST VIA THE RIGHT OF ACCESS : ( 1 ) WHO AUTHORIZED THE information it has collected about ME, ON MY CREDIT REPORT ( 2 ) The sources from which the information is collected ON MY CREDIT REPORT ( 3 ) The business or commercial purpose for collecting or selling MY personal information.

( 4 ) The third parties with whom EXPERIAN shares MY personal information. 

(5 ) The specific personal information THAT EXPERIAN has collected about ME. ( 6 ) The information that you released or shared please provide the names of all entities that EXPERIAN shared and released information to and what purpose or use was this claimed to be for. i can be reached at email XXXX XXXX
Potentially impacted by the security breach at Equifax in XXXX 2017. Went to their portal and entered my personal details. By Equifax 's assessment, my data may have been hacked and improperly released to outside parties. 

Checked my credit report with XXXX and nothing fishy as of yet, but I can not afford to keep buying credit reports once my 1 per year with the three credit unions runs out. 

I have also put a 90-day fraud alert on my credit.
I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Bank of America. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this.
Citi cards refused to give my reward money even though had already earned it when accouterments was closed due to poor customer service.
On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX   XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX. 

After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.

I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them. 

This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.
I opened an account with Citizens Bank online in early XX/XX/2018. My account type was One Deposit Checking account. After a few days of opening the account, I found out that Citizens Bank did not intend to honor a sign-up bonus that I was interested in. So I called them to close the account. But every time I called them, I had to wait at least an hour listening to the hold music and still not getting any live human agent to talk to. After calling in about 4 times, I gave up. I visited their branch at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and talked to a bank agent in person. She said she closed my account. But after returning home, I found out that I could still log in to my online account and neither did I receive any notification that my account was closed. Please close my account ASAP. Otherwise they would find another reason to charge me a fee next month!
Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX
After leaving my job due to an illness, I had a verifiable loss of income, I started receiving continuous ongoing Social Security which was lower my income. After several months trying to get the lender to work with me, I was offered loan modification, I was contact and rushed by Wells Fargo to submit my documents within two weeks. I was denied due to not enough income. 
I have not been offered any other options. I know through the FHA loan modification program my payment could be as low as XXXX, which is 31 % of my monthly inome.
1-XXXX XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.
IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.
Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .
the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?
I am a victim of identity theft. I have am submitting my compliant myself, no outside agency or help.
I have never been late with this account, but they gave reported an account as late. This is severely affecting my credit and is hindering me from purchasing a house.
For seven years I have received periodic calls at my work office number from " National Credit Adjusters. '' Their number is XXXX. They say they are tying to reach someone named " XXXX XXXX. '' I have explained to them for the last seven years that ( 1 ) I 'm not XXXX XXXX ; XXXX 2 ) there is no one in our company named XXXX XXXX ; and XXXX 3 ) I do n't know anyone named XXXX XXXX. 

I would greatly appreciate it if you would get these XXXX to stop calling me.