WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2012 a " third party '' my grandmother was contacted by Western Shamrock Loans disclosing to a " third party '' I had a loan causing me embarrassment they called her twice attempting to contact me I thereafter contacted Western Shamrock Loans and advised them I am currently unemployed was " laid off '' and can not afford it and seeking legal advice as this was unexpected circumstances, I immediately advised the Manager of the XXXX Mo office to Cease co tact under U.S Civil code 1692 section C and I will be mailing them a copy. The very next day Western Shamrock mailed certified mail to my address which a third party signed for this is excessive and abusive behavior from Western Shamrock and should be investigated.
I made a {$900.00} purchase using my care credit card. I was granted 12 months of interest free payments for that transaction. Once that promotion ends, I would be charged 26.9 % on the remaining balance. During the course of the year, synchrony bank took over Care Credit. On XX/XX/XXXX, my balance was down to {$350.00}. This company charged me 26 % on the original balance which is not on the terms I agreed to when I first joined this company as Care Credit. I contacted Synchrony and the rep told me that she could n't tell me my new interest rate/agreement. I told her this was deceptive as I had not signed these terms nor agreed to them.
I had a credit card through XXXX XXXX ( Barclays Bank ). Last XX/XX/XXXX there was a credit balance on the account. There was an automatic {$8.00} charge from XXXX and then then XXXX XXXX charged {$180.00} for the " annual charge ''. I was in the hospital and received no emails, no paper bills etc. Then I get an email in XX/XX/XXXX saying that my account is being closed and I was reported to the credit bureau. When I found out, I paid the full amount but the account was still closed and they kept the annual fee. I called and complained and was basically told that was their policy. That is completely wrong. I would not have authorized a {$180.00} dollar annual fee and asked them to close the account as it is not worth it. They will not take it off my credit report and have {$180.00} for a credit card that I don't even have. That is stealing in my view.
I was a victim of Identity theft in XXXX. I was not made aware of this until XXXX of XXXX. In XXXX I filed bankruptcy due to excess bills left from XXXX divorces. I purchased a vehicle last year and at that time I found out there were a few items on my credit reports that I know nothing about. I was also made aware that I could not write checks at certain establishments because of XXXX reports. I recently received my XXXX report and there are a lot of items that do not belong to me. Almost everything after XXXX of XXXX til XXXX of XXXX, besides my bankruptcy is not accurate. I do have a copy of my police report and FTC XXXX # XXXX and my ID theft # XXXX. How do I get this resolved? It 's a nightmare!!
I went to a drive through window at XXXX XXXX while driving home from a trip. They handed me the wrong food, but of course you ca n't check the food there because you 're holding up a line so I did n't know that until I was well on my way. The food was unedible. I called XXXX XXXX ( I had to search online for their number, it is n't on their site ) but they did n't answer. Then I e-mailed but they did n't reply. I contacted Chase and they said they ca n't dispute an in person transaction for food because food can not be returned, even though XXXX XXXX committed fraud by providing me with the wrong order and still charging my card! A supervisor refused to change that decision.
Honda Financial Services dba AHFC absconded my vehicle on XX/XX/XXXX and XXXX   were informed. This was a holiday weekend so on Tuesday, XX/XX/XXXX I contact AHFC @ XXXX spoke with their representative and I stated : " this was my first time ever so what did I need to do to get my vehicle back? '' Their employee stated : " I would have to make a payment for the remainder of the loan, including repossession cost and for the title of the vehicle in the amount of {$25000.00}. '' This is on a recorded conversation. There was no deadline date mentioned. I agreed and accepted those terms and sent them a " tender of payment '' in the amount that was asked for. {$25000.00}. Called to verify if payment was received several times. They had transferred my vehicle outside of New York State, sent off to another location somewhere in Pennsylvania, claim no payment was received or posted and I had missed the " deadline date. '' Yet, HONDA still asked for payment in full. I resent the payment and verified by tracking numbers : XXXX, XXXX, XXXX and XXXX, verified " DELIVERED '' at both business locations in XXXX, Delaware and in XXXX, California where the Chief Financial Officer is located, including payment sent to the IRS. Payable to the order of : UNITED STATES TREASURY. HONDA has not honored the agreement and I still don't have my vehicle. The terms for the lease agreement changed when they accepted the " tender of payment '' made within a 16-month period and chose to close the account 25 months earlier than agreed upon as stated on my credit report. The " Right to Cure '' never took place. HONDA proceeded to repossess my vehicle, for the terms of the lease agreement had ended but, a new contract made by HONDA. The new contract was made for the remainder of the balance of the loan, the repossession cost and title in the amount of {$25000.00} and they received it. The full payment for the title as they requested on XX/XX/XXXX was met. Payment was sent in a timely fashion and HONDA has dishonored the agreement.
Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.
XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new
The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).
The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. 

Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.
The XXXX collection was taken off of my credit report last year. It was illegally added back XX/XX/2017.
I have advised them in writing and verbally to only contact me in writing. They are continually calling my place of employment using different numbers each time. For example XXXX and XXXX. In addition they are continuing to contact my contacts listed although I have advised also for them to stop calling them and harassing them. My address is the same and I will respond to anything that is sent to me in writing however I do not want to be contacted by phone. When I was contacted and asked to verbally stop, they insisted that I owe them money and that is why they will continue to call. I have back to back calls to my place of work, my cell phone, my husbands phone etc.
purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. 

asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay
I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. 
I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX   and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. 

I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.
On XX/XX/2018, I submitted an Employment Certification to support my Public Service Loan Forgiveness ( PSLF ) application. After XXXX  updated the number of payments I have made under the program, I noticed they were missing six payments. I immediately alerted them by calling them to verify which payments they do not show being made. Once that information was verified, I uploaded a letter with attached bank statements showing that the payments were in fact made. I then called a few days later to verify that they did receive my letter and to inquire when the process would be complete. I was told that it would take 7-10 business days. I called 10 business days later and was informed that the case was just assigned and it would be complete on XX/XX/2018. However, as of XX/XX/2018, the payments had not been applied and there is no notice that they even processed my issues.
Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.
Military star card complaint. 
Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. 
Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. 
I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.
I have a checking and savings account with Chase Manhattan Bank. My brother is my Power of Attorney ( POA. ) I have a durable POA, Chase will not accept this form - they want their own form/individual form to be completed. I will do that - but they require it to be completed by us together, at a Chase branch. 

My brother and I live in different states. Chase said the only way it can be done is if we go to the branch together. If he lived in XXXX, is he supposed to travel here to go to a Chase branch with me? 

This is a ludicrous. Every other bank I do business with either has a form I can print at home and have notarized, or will send the form to me. I can have my signature notarized, mail the form to my brother, and he can get his signature notarized. We do not have to go to a branch together. 

I contacted the bank twice, and got the same useless response from them. 

I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.
I blocked XXXX (XXXX XXXX) from my phone and reported to XXXX, FTC, FCC, CFPB (CFPB Complaint #XXXX). I called XXXX to be put on XXXX XXXX's Do-Not-Call List but all they did was send my number to a different department, so that now it shows up on my phone as XXXX. I am still getting calls and voicemails from XXXX XXXX. PLEASE STOP THESE PEOPLE FROM HARRASSING ME.
This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX  on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan company?
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
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I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.
I have over $ 100K in this business checking account. We ave had the account for over 10 years. The bank sent us " marketing questions '' to complete and threatened to freeze our account if we did not answer them. We tried calling the phone number - no answer. We completed the papers and returned them to our local branch in XXXX. We received another letter, we went to the branch. The assistant branch manager discovered that the Incompetent Branch Manager, never turned them in. Last week he assured my husband that he would take care of the situation. Today, Citibank froze our account. I have checks bouncing. First, under what grounds can they legally freeze my account? Second, we turned in their paperwork, so they had no reason to freeze the account. These banking practices need to be stopped. The bank has no right to freeze an account because a client does not answer " questions designed to offer you better products and services ''. I can understand wanting to verify my identity - but they did not want that information. These practices should be investigated.
On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18.  Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.
On XXXX XXXX, 2016 I received a phone message from XXXX XXXX stating she wanted to go over some things regarding the previous complaint. I returned the call, spoke with XXXX, after verify all our loan information, she asked how she can help, I told her I was returning a call from XXXX. ( once again the representatives do not know why we are getting calls ) XXXX told me XXXX is a investigator and does not take calls. ( Then why call us asking to call back if she does n't take calls ). XXXX then put me on hold to discuss with XXXX why she called us. XXXX got back on line to say that they are missing YTD information on the pay stubs that we had already submitted. Every one of the pay stubs have YTD information. My husband, XXXX who is the loan holder talked with XXXX and explained where the YTD information was on the pay stub. XXXX understood, took note for the underwriters. XXXX admitted there was " a issue going on '', I talked to XXXX mentioning it did n't make sense we received a multiple letter stating SPS had the received the documents, it also showed on the website under our account that they had received all documents needed and the modification was be reviewed. XXXX told us she would talk to XXXX to figure out what was wrong and call us back. Today, XXXX XXXX, 2016, I checked the website and our account, it now states they need YTD information. We received letters on XXXX XXXX, 2016, XXXX XXXX, 2016 and 2 letters on XXXX XXXX, 2016 stating they have received the documents needed. I have attached scanned copies of each letter. To this date, no one has called us back.
XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from my credit report.
I had an issue with a previous credit card from XXXX XXXX the make up store where someone use my information and max out my cards despite having the physical card on me. I filed a compliant with my card company and they end up getting my funds transferred back to me in a new account. Now I'm unable to get any credit cards since this situation. I made an identity theft report on the federal bureau end and just removed a fraud alert as well through XXXX. Is there anything that can be done so I can be approved for cards before this situation?