WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Sears after reviewing my account online. On my account summary it showed XXXX separate accounts. After seeing this I contacted Sears customer services I had to repeat myself over and over again asking why I have XXXX different accounts. I informed the customer service representative that the only card is the account ending in XXXX with an expiration date XX/XX/XXXX. The customer services representative immediately said " Oh would like a new card ''. I continued asking her why I have XXXX different accounts. Finally she gave me the explanation that it was my old account. I still do not understand why that account number is still showing on my account. The customer representative asked me again if I would like a new card. I said " ok ''. The customer service representative put me on hold. She came back on the phone to confirm my mailing address. Then informed me that my new card would be sent. I woke up the next morning finding out that my credit was pulled By Citi ( which provides Sears the credit card ). I have contacted Sears/Citi. I am currently in the process of purchasing my first home. I will be going to closing on XX/XX/XXXX or XX/XX/XXXX I never said yes you can pull my credit. Citi bank contacted me today the presidential office stating that it is common practice for Citi to do this when a new card is requested to protect against fraud.
I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also  Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.
I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.
XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605. 
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft. 
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance. 
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611. 
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
I switched insurance companies so I received a check for the overage when XXXX cancelled. Then I called to see how to reapply the amount for the new insurance. The amount was applied to my monthly bill instead. I have called about XXXX times ( at least ) to ratify this issue. I sent my second check to apply to escrow and they AGAIN applied to my note. I even spoke with a supervisor last time to no avail. I give up. They keep reanalyzing my escrow and increasing my note because of the shortage. I do n't believe calling is helping anymore and need someone else to intervene.
On XXXX/XXXX/XXXX I paid m XXXX XXXX XXXX XXXX account. The billing and dispute department refuse to credit by account. It continues to bill me, charge additional late fees and interest charges. It will not credit any of these. The dispute department at XXXX is requiring that I send additional information from XXXX XXXX proving that I paid the bill and that I did not stop payment on XXXX of the payments shown on the bill ( in the same amount ) I have contacted managers at XXXX XXXX customer service department regarding this since XXXX and sent proof of payment to all persons possible.
After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.
I applied for and was approved for a loan with Avant Credit on or around XXXX of 2014. At time of approval, the interest rate/terms were not disclosed, nothing was signed on paper. Ive been making timely payments via their website and just noticed their interest rate of 35.9 % is unusually high. Because of this high rate, the payments I 've made thus far do not even reflect on balance owed, they go towards interest. Had I known about this prior, I would not have agreed to supposed terms, which were not disclosed at the time. This high interest rate is illegal in opinion and should be lowered. Please advise Avant Credit they need to lower my rate ASAP if they wish to continue seeing payments.
Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part
XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i  had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.
I make less then XXXX a year and I was told by Navient before my private loans defaulted I had no more options now they are trying to sue me or garnish me and I can barely pay my phone bill. I 'm trying to get and find a better career so I can pay.
Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you
DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.
In XXXX XXXX, I gave stop payment instructions to Citibank online service ( online chat ) regarding a {$700.00} transaction with XXXX. I explained that the vendor delivered a defective light fixture and was unresponsive to my requests to return the defective product/cancel the order. I provided the vendor 's name and website and was assured that a stop payment order was in place. The chat history and related information is available in Citi Bank 's online chat system. On XXXX XXXX, XXXX, Citibank processed the {$700.00} payment. I immediately contacted the bank 's dispute center. Until this day, I have not received any refund or any documents in relation to the charge dispute.
This inquiry/complaint is to Wells Fargo. XX/XX/XXXX, my husband began a reverse mortgage loan with your company. At the time, he was in his seventies, and no one ever explained to him that he would be responsible for paying the annual property taxes and insurance : as a result, these fees were paid by Wells Fargo. He passed away XX/XX/XXXX, but XX/XX/XXXX, I became eligible, by age, to take advantage of the non-borrowing spousal law. When I was told about the payments made by your company ( XX/XX/XXXX ), I offered to pay the amount due, but was told " hold '' my payment until I was notified. I was notified XX/XX/XXXX -but I was notified that my home would be sold at foreclosure on XX/XX/XXXX. On XX/XX/XXXX, I was informed that XXXX now owned my home, and I have been trying to negotiate ( unsuccessfuly ) with them for a equitablbe solution. At present, I am expected to vacate the home by XX/XX/XXXX. I am a XXXX year old widow with XXXX and XXXX and I have no family and nowhere to go. Please re-consider and help me.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX  XXXX, and XXXX XXXX   requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.
Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.
To Whom It May Concern, On XXXX of last year ( XXXX ), my wife have ordered a XXXX from XXXX using our Discover credit card. When the product was delivered to our home, we found that the merchant has sent us a product that is completely far from the item that we have paid for. We then called the merchant right away to notify them of this discrepancy but no resolution was put into place as the merchant refused to send us the right item or refund us back our money as they claim the circumstances to be impossible. Devastated on the outcomes of our conversations with the merchant, we then contacted our issuing bank, Discover Bank on XX/XX/XXXX to seek for help and initiate a dispute against a charge of {$3800.00} from XXXX. The dispute process took nearly 6 months as Discover bank kept siding with the merchant AFTER my wife and I have provided them with all of the documentations they asked. In that span of time, we had to contact them multiple times to re-open the case and have also provided them with more compelling evidence for them to even re-consider their decision after they would close their investigation in the merchants favor. Our chargeback dispute was denied three times even though the evidence and documentation we have given them are far more substantial than what the merchant, XXXX have provided them. Also, on XX/XX/XXXX, when we provided more evidence to re-open the case for a FINAL dispute, we were told and promised by the MANY discover bank representatives that we will be getting a final decision within 15 days from that day. Now, two months later after not hearing back from them, we received a notification that states that we are liable to pay for the full amount as they ( discover bank ), find the merchant to be correct. This ongoing unfair practice that Discover bank has been doing to us have caused us to close our account with them after being their loyal customer for 6 years. As of now, both my wife and I feel discriminated and violated of our consumer rights and all we want is justice that I believe we are entitled to. 
Dealing with this corporate greed and new form of " evilness '' I did n't know existed made me do my own research online and I have found many others, just like my wife and I to be a victim of Discover banks unruly practices. Not only are they biased of their decisions ( they ALWAYS side with the merchant ) but they also do not practice their own rules and regulations. As when I researched their chargeback dispute guidelines, it clearly stated that, customers MUST obtain a decision within 15 calendar days during the final review. But clearly, that was not the case for us, as 2 months and 2 billing cycles passed and here we are getting hit by the money we have to pay back for the item we did not even get to see nor enjoy. 
This is indeed very hard for us as we no longer know any other recourse to fight this chargeback anymore and we wish that no other honest consumers will have to go through this XXXX we are going through. If there is anything consumer advocates out there could do, it is to spend some time to review the unfair practices Discover bank is doing to their customers. 

Sincerely, XXXX
XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX  has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.
CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I paid XXXX $ for a credit report. Without my knowledge I was enrolled in a recurrent credit monitoring service. I noticed the XXXX $ charge on my next credit card bill. 
I called them to dispute the charge. I was informed that I was sent an email ( I never received XXXX ) that I had one week to cancel but I missed the deadline. I told them that I was n't aware I was even enrolled but they did n't care.
tried to modify home loan with PNC was not told options was put in hardship program worked with hud step forward mi also was denied for late payments was whole purpose of loan modification to lower monthly payments spouse self employed business declined dramatically! now pull credit report and PNC did two hard pulls on both are credit in eleven days time made matters worse and turned us down that is not what this was suppose to do extremely wrong
I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is  preventing me from this opportunity.
XXXX XXXX posted that I owed XXXX. I fought it due to fact it was not my to pay. They finally took it off of my credit report and several months later I seen they gave it to XXXX XXXX to try and collect. I am very upset concerning this. I have worked on my credit report for last 10 to 12 years to get my scores to above 700 and now this happen. Please review my credit again. I've never been late on a payment in several years. 
XXXX XXXX XXXX
There is an illegal and false collection appearing on my credit report with Equifax and Would like it deleted and the collection company investigated. 

I do not, nor have ever, had any services performed that was not cover by my XXXX which is state issued. XXXX XXXX is a mysterious account that has no phone number, tracking information, offices or addresses. I have filed a CFPB complaint against them and they have claimed they do not " own my debt ''. This collection is either a mistake or fraudulent because I am 100 % covered under the low income affordable health care act. This account is appearing on my report since XX/XX/XXXX and I have never had a letter, a phone call or any communication verifying or validating the debt. It is a scam. Please delete it immediately. They are attempting to collect money using fake collections by illegally skip tracing people. There is NO contact information and this is violating FCRA and FDCPA laws.