WillisBack/dataset-financial-user-claim huggingface dataset:
Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.
account XXXX XXXX XXXX XXXX card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
This complaint is addressed to Experian Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number:XXXX, dated XXXX XXXX, 2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). On XXXX XXXX, 2016, was denied online dispute due to maximum access. Online, the report shows the collection account with XXXX as " Closed '', updated XXXX XXXX, 2016. As of XXXX XXXX, 2016, it has not been deleted. Other agencies have adhered to request. If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C.s1681.
-Applied for and received credit for XXXX services from Care Credit -Paid minimum amount ( which is not enough to be interest free, ie they do not divide your payment into 18 for 18 months interest free ) -Charged 26.99 % deferred interest on full balance at end of 18 months. 
-Puts me over limit, however, when I called the company they said that that would be all the interest that would be charged on that amount. 
-WRONG! Charged interest EACH MONTH 26.99 % on the BALANCE ( including interest already added to my balance ) -NOT EXPRESSLY INFORMED of DOUBLE INTEREST CHARGES. 

-Is this legal? 
-Called company and asked them why and they said it is how they handle all their accounts. 

-I should not be charged interest on interest. 
-moving forward, cards like this should divide payments so the consumer knows how much to pay to meet the " interest-free '' requirements. 
-because they offer " multiple '' promotions, the " minimum payment '' should reflect ALL promotional interest free requirements.
I was contacted last Friday by the debt collector. I told her I wasnt able to pay last Friday but I could The next Friday. She agreed and now there is a collection in my credit. I was paying Friday.
There are two problems.

First, one is with my XXXX XXXX credit card. They recently increased my available credit line by {$200.00} and reported I owed them {$0.00}. At that point, both TransUnion and XXXX decreased by credit score by 69 points and 59 points respectively based on that report. XXXX XXXX has agreed to investigate for me if I send them a letter stating the problem but said they are unable to request a change by the credit reporting agencies. 

Secondly, before that, I disputed an account by creditor XXXX XXXX requesting proof that I owed the {$230.00} they had turned in on my credit record about five years ago. I received a letter from them dated XX/XX/2018 saying that they placed my account on hold status and that collection efforts were ceased. However, it is showing up as an open collection on my account with a {$0.00} balance. 

And now they are saying a new address has been added for me when I have not moved. I checked XXXX XXXX and no new address has been added. 

I have reported both these to Transunion and XXXX but it has only made my credit record lower.
XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.
Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.
Its been well over 6 month and I have been battling XXXX to review my letters and and remove the remaining collection accounts. The accounts in question have been updated to 3 collections. They changed the accounts to show that they are recent collections of a month ago when I solicited your help in the matter. All they did was close them, and updated the acoounts to a recent collection/late status when they are not even my accounts. 

The accounts are not mine, and my score has now decreased because of their change of status to closed collection. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX ( recently added ) XXXX XXXX act # XXXX These accounts are not mine. Experian has spitefully added them as a collection late-closed status due to my request that you investigate this on my behalf. Like I said, my credit score has gone down to my request to you to investigage. Please help. Experian is clearly retaliating against me.
I sold my vehicle and was due a refund from Chase. They hold the refund for 2 weeks prior to sending it to me.
I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
I XXXX XXXX CALED WELL FARO MORE GAVE I SERVICE TO REMOVE THE PM I IN SERVICE FROM MY LOAN XXXX AND WELLS FARGO STATED TO CALL XXXX XXXX AT XXXX AND WAS GIVING A NUMBER XXXX AND XXXX XXXX STATED THAT THEY DO NOT CAREY THAT LOAN AND TO CALL WELL FARO BACK AND THE JUST TOLD ME THAT THERE RECORDS STATES THAT XXXX XXXX CARRD THE LOAN SO WHO REAL CARRY THE LOAN BECAUSE RIGHT NOW IM PAYING WELL FARGO EACH MONTH, WELL FARGO STATED TO CONTACT XXXX XXXX AND HAVE THEM PUT IN WRITING THAT THE COMPANY DO NOT CARRY THE LOAN, THEN I WAS TOLD A YEARS AND A HALF AGO THAT WHEN I MEET XXXX TO XXXX on payments RULE THAT THE PMI INSURANE WOULD DROP OFF IN LESS SOMEONE TOOK OUT ANOTHER LOAN WITH OUT ME KNOW ING IT AND ADDED MORE YEARS TO THE LOAN.
Original Creditor : XXXX XXXX XXXX XXXX Collection Date : XX/XX/XXXX High Credit Term {$8500.00} Balance Owed as of XX/XX/XXXX {$21000.00} Do not owe this company and have repeatedly hit my credit report every month since XX/XX/XXXX. 

XXXX XXXX
I really just had a question to whether I was being mislead or was it legal. I filed bankruptcy in   XXXX   XXXX  . I soon received a letter from sallie mae saying that I was in default of my loan. I told them that my loan was in deferment. They told me that when you file bankrupt the promissory note was no good. I asked for a copy of the promissory note because I could n't print it. They locked me out of my account because they said I did n't have access since I filed bankruptcy. I asked them can I get someone else to buy the loan they said no because I defaulted. I called my bankruptcy lawyer, he asked for a copy of the promissory note, I told him I could n't get it. He told me that the best thing to do was she what type of payment plan they have because I am responsible, in which I knew this. Sallie mae told me I had to pay  XXXX  dollar down by   XXXX   XXXX   XXXX   and thereafter  XXXX  and it had to be automatic withdrawal. The contract ends every  two year s and you have to renew it. So in   XXXX   XXXX  , I noticed the money was still on the card so I called to see why they have n't took the payment, I was told that I did n't renew the contract. I told them no one informed me that it had to be renewed every  two years . They told me a guy supposed to had called. I have n't received no calls but anyway, I just wanted to know can they do that. I was also told that default would be on my credit for at least  10years. That i s n't fair, just because you file bankrupt does n't mean that should go on your credit especially if I 'm paying in a timely manner as agreed. Also why is my account still lock?
Hello, I submitted a report on XXXX ( complaint ref # XXXX ) about XXXX student loan otherwise known as XXXX XXXX XXXX ( XXXX ) about reducing my student loans. Recently, I was awarded a short-term payment for XXXX for three months. When I agreed to the short-term agreement terms I was informed by an XXXX representative that I could apply for a long term agreement, which I did. Furthermore, I was awarded the long-term agreement on XXXX, but I was only awarded for XXXX of my loans and not the other XXXX due to my cosigner income. 

To be awarded for the long-term agreement, I submitted documents that show proof of income along with my co-signer and other documents to complete the application. As a result, XXXX granted long term agreements on XXXX of my loans because I did not have a cosigner on the loans. Based on that information, XXXX determined I did not make enough money for the current payment and awarded me the agreement. However, I was denied the long term agreement on my other XXXX loans due to my cosigner, because as the XXXX representative stated " both of our incomes were combined and was determined that we made to much money. '' From my research, social security is unearned income stated, in ( 42 U.S. Code 1382a - Income ; earned and unearned income defined ; exclusions from income XXXX ) and I believe that should n't be applied as a determining factor in my case. When I was granted the short-term agreement I did not have to provide my co-signer income nor his signature to be place on a short term agreement. The short-term agreement applied to all my loans without the use of my cosigner unearned income information nor signature for the approval. 

The information I submitted to XXXX for the Long-Term Agreement had my cosigner income information on the documents that I submitted, but it clearly states social security not source of income due to retirement. I even submitted my co-signer information from the Social Security Office, which states his monthly payments. 

Now, XXXX have decided to use my co-signer information against to increase my payment to XXXX a month, which is only a {$120.00} dollar difference from {$510.00} which I was paying before XXXX. 

I am paying my loans by myself, my cosigner is not paying on any of my loans. Also, I am not delinquent on any of my loans and it 's going to continue to stay that way. I am just asking for fairness and consistency from XXXX. 

Please, can you help me.
I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, Equifax and XXXX. I was successfully able to remove information from XXXX and XXXX. However, Equifax and the collection agency XXXX XXXX has given me a very hard time. I sent a certified letter to XXXX XXXX asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to Equifax. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by Equifax on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 Equifax has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either Equifax or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   thank you
never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong information.
I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from American Credit Acceptance showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company or debts and request validation.
In XXXX JP Morgan Chase appraised my home at a little over $ XXXX. The first lien was $ XXXX with XXXX XXXX XXXX. Chase granted a line of credit for $ XXXX, interest only loan, at a variable interest rate, with a payment of about $ XXXX/mo. So, now I had a second lien, making the total of both liens $ XXXX. As the end of my term was approaching, in XXXX, I wanted Chase to refinance the LOC into a fixed rate, conventional loan. Chase claimed my home was no longer worth $ XXXX and that I was upside down in equity. MY new home value was estimated at $ XXXX. I was stuck with the interest only loan. Chase said they could n't help until I had 20 % equity. I received a letter stating the payments would increase from {$480.00} to {$1800.00}. I asked if they would consider deducting all the interest paid to date, which was about $ XXXX at the time. This would give me the room I needed to refinance. They refused and suggested I modify the loan. But I could n't modify the loan without modifying the first lien with XXXX XXXX XXXX. XXXX was not a problem loan - it was a fixed rate conventional loan. Nevertheless, they were willing to refinance under HAMP but i could n't get rid of Chase and combine the loans because, again, the home value was too low. Chase forced me to pay a {$300.00} fee to allow XXXX to modify. After closing on the HAMP, Chase was willing to modify the LOC. Here comes the worst part! In order to have affordable payments and not lose my home, I agreed to the one option Chase offered ... .. Another LOC at $ XXXX/mo, interest only ( again ) payment at a fixed rate for FORTY YEARS. I will have paid in full by year XXXX, at the old age of XXXX years old, according to the loans docs. I will have paid more than double the original amount of the LOC, if I live that long. I have been cornered, bullied, taken advantage, and misused. While many have had their debts forgiven, I have been forced to accept their loan. All the while, never missing a payment on any of the home loans. I ca n't refinance, I have no equity, I have been paying on a LOC that basically has the same balance due from when I first received the loan. 10 years later, I still owe $ XXXX. 
What do I want? To date, $ XXXX in interest has been paid to Chase. I want that amount deducted from the loan. This would give me the 20 % equity that I need to refinance and merge both the first and second loans at a affordable payment. I want a conventional fixed, low, rate. I do not want the deduction to negatively affect my credit. A negative would put me back into the same bad situation, not allowing for me to refinance. Also, I do not want the deducted amount reported as added income to the IRS. The amount I am requesting is not a forgiven unpaid balance. It is the amount I PAID in full. 
Any help you can offer would be Heaven sent. Thank you for your intervention.
Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.