WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a credit card with Sears to try to improve my credit score. XXXX of the only hits to my credit score is that I have very few accounts, and I had a good opportunity and thought Sears was a reputable enough company. I purchased a bed and a few accessories as I 'd just moved to XXXX and that 's the point at which I was asked to open the account. The address I gave them was my new XXXX address, but when verifying my driver 's license they claim to have put the old XXXX address from my license into their system, so the credit card never arrived. 

I got a text message from Sears saying that I had a late payment. So I called them and told them I never received a card, and I need a card number in order to pay the balance. They allowed me to give them bank account information over the phone to cover the balance and they removed the late fees that had been applied. 

Because it had no balance and because I did n't have the card to physically use, I did n't think much of it, but I still never received the credit card and to this day never have. But after my car was broken into and documents that could be used to steal my identity were taken from it I was advised to monitor my credit score closely for accounts attempted to be opened under my name and information. It was at this time I noticed I had grossly overdue payments on the Sears card. 

I called Sears to find out how I could have missing payments with a balance of XXXX and was informed that when I gave them my information and said I wanted the whole balance paid that a small dollar amount, I believe between XXXX and XXXX XXXX dollars, was left on the account. I never said a number, only that I wanted the whole balance paid, so there is no reason they should have left any balance on there. 

The payments were very long overdue, and I was never contacted about any of it at any time, but my credit score has been damaged severely by this. Prior to this incident my payment history and timeliness was perfect, and I would have no reason to leave such a small balance and let it go unpaid for so long. I 've been advised to pursue a resolution and a repair to my credit score through the Consumer Protection Bureau first, and if that does n't fix the problem I understand that there are further legal options. I will also never do business with Sears again if this is not corrected. 

I do not have any documentation other than what 's on my credit report because Sears never sent me anything at all, but I 'm told that they are legally required to keep the documents that will prove what I 'm saying. The representative I talked to on the phone apologized and let me close my account but said nothing else could be done. Legal action has not been filed at this time, but will be if the issue is not resolved and my credit is n't restored.
Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. 
The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.
On XX/XX/XXXX I issued a wire transfer in the amount of {$50000.00} from my XXXX  XXXX XXXX account to my supplier 's account at Wells Fargo bank. The same day XXXX issued a reversal order because I realized I had issued the transfer to the wrong account. 

My supplier was only notified of the reversal 17 days later. They agreed to the reversal immediately and now, 45 days later the reversal has still not taken place. And there has been zero written communication from either bank. 
We have filed a complaint against XXXX XXXX XXXX and now we are filing one against Wells Fargo
I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!
I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.
Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.
SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.
XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
I was on paypal account and they offered me a credit line I read the info It said if approved use immediately an can be used at many stores also XXXX. I got approved the XX/XX/XXXX an it declines me EVERYTIME. I've called 10plus times they all say you have available funds it's the merchant call them. Well again I CALLED today an was told I had to add bank account to XXXX an use for all purchases for months to prove. I'm a good customer then they will stop decling credit .they ran my credit dropped my score 12points so I told them close it they haven't. I also got ebay mastercard same bank syncbank. An paypal is also in control of it I had no clue. They claim use anywhere mastercard is accepted. But it will not work either also dropped credit score.  I've called so many times I get transferred 3 or more times nobody will explain why I can't use it. It's fraud an false advertising. They also ran my credit 2 times while back for XXXX card I had no clue I was applying for told them close acct they didn't an it is not usable either. Reports of same issues all over XXXX reviews. They are scamming an DESTROYING PEOPLES CREDIT. I had a score in 700s now it's down 670s because of them. They run credit without approval if u ever apply for acct. Help
XXXX I am getting billed for a credit card I did n't apply for or ever get.
I am being constantly being harassment by Walmart on my XXXX credit card account. I need to report this to you to quit being harassed by them for payment since have already made arrangements with them to pay on my Walmart credit card account. Thank you for looking into this harassment charge against Walmart.
This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
I started working with Ocwen to help the seller XXXX XXXX XXXX XXXX XXXX XXXX loan number XXXX, I submitted the complete package with offer on XXXX/XXXX/16 ( including XXXX short sale package ) Ocwen asked for a estimated closing statement XXXX different times with XXXX different changes to it, after which they responded back stating they wanted a bigger offer, in the amount of XXXX I asked the buyer if he would consider rising his offer, he did to XXXX due the fact that 's what the appraisal came in at, and as contractors bid of XXXX for repairs, the appraisal and contractors bid was submitted to Ocwen they said they did n't have enough time to review the documents sent to them, and was going to sale the property, The property is not worth what Ocwen is asking, as the appraisal states, that 's not including the amount of repairs that need to be done to the property in order to get it back in shape, nothing has been done to the property for years, and you can tell when you walk into the property. 

Ocwen has feet dragging their feet on this, each time they changed the estimated closing took them XXXX to 15 days to get back with me, and we have jumped though all the loops they wanted without any corporation from Ocwen. I would like to know if there is anything you can do to help us with this. 
I had to have legal stop, stop the sale so I would be able to wait for ocwen to reply to the paperwork that I submitted to them. I do n't know what else to do, I am trying to keep a foreclosure off our clients record, and Ocwen Dose n't seem to want to work with us, I do n't know why we have done everything they asked us to do and more, We have another sale date of XXXX XXXX 2016
Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.
A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.
I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.
IC Systems has sold this account to XXXX XXXX XXXX. This account was paid to XXXX and marked as such on the credit brureaus reports. I have disputed this account with IC systems on XXXX XXXX asking for validation of the account and recieved nothing in response.
My loan it seems was transferred from XXXX to Great lakes in XXXX of XXXX. I have never once received information pertaining to this via email or phone until XXXX. Now it seems I am 4 months late with my payments which have been automatically paid through XXXX XXXX for the last 11 years without a hitch. Not only will Great lakes fail to acknowledge that the y may have bade an error but are trying to charge me 2.75 % instead of the 1.75 % I had been paying for the last 9/10 years. This is a scam that must be addressed.
Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?
I continue to receive phone calls from different numbers on my cell phone after i sent a letter to ceast all communications with me over a year ago. This debt is well over the 7 years statute as I have no outstanding debt.
I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.
XXXX XXXX never sent me anything stating i had a collection. They are reporting the same acct twice. I have had this acct taken off one already as I do not owe it. Hospital was given XXXX info as well as a letter stating i was XXXX and i was told everything was fine. Then three years later it shows up on credit. Had it taken off now 5 years later it is back on twice!!
United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.
Equifax is taking too long to conduct my investigation. I asked them to investigate incorrect information on my credit report in XX/XX/XXXX, and they have not responded to me yet.
The Wells Fargo Bank payed for one of my bills for me without my permission. The bill was approximately {$34.00}. When I complained to the bank, they claimed that they are allowed to pay my bills for me without my permission and offered to do it again. I declined. 

The Wells Fargo Bank is denying the existence of the banking location where I opened up my First Wells Fargo Account. This location is : XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada. Recent bank mishaps appear to have lead to my wife and XXXX children coming up XXXX. My wife and XXXX children have been XXXX for two weeks and one day. 

Wells Fargo Bank has yet to return {$2.00} to the ATM machine at XXXX on XXXX and XXXX in XXXX, Nevada. The transaction was supposed to be completed about two weeks ago. 

Wells Fargo Bank asked me to make a letter head. I do not work for Wells Fargo Bank. I am simply a checking account holder. 


My Wells Fargo online account is currently inaccessible. I tried my two most recent passwords. Neither of them worked. 

All banking locations where I have visited personally : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened PrePayCard Account ), XXXX XXXX XXXX  XXXX, XXXX, NV XXXX ( opened joint account with my XXXX wife XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened a checking account ) XXXX XXXX XXXX XXXX, XXXX, NV XXXX ( employees here have intimidated me and harassed me )
I sent XXXX XXXX, and Transunion my FTC ID Theft Report # XXXX & # XXXX on XXXX XXXX, 2018. I asked by letter accounts The XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a Transunion rep on XXXX/2018 he informed me that Transunion does not block but dispute accounts. This rep did not know about the FCRA section 605B or the  language on the Transunion website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. Transunion, XXXX, and XXXX  received my ID theft report and police report # on XXXX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.