WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.
OnXX/XX/2019, I paid a Chase Bank money order # XXXXfor a deposit for an apartment # XXXX at XXXX XXXX/XXXX XXXX, XXXX. 
for {$100.00} for a deposit for # XXXX apartment towards move in rent. On XX/XX/2019 -- 3 days later, FTC and AZ Consumer Protection Laws -- 3 days are within cooling off period-right of recession ) I called XXXX XXXX to cancel and drive by and pick up my {$100.00}. I told XXXX XXXX, XXXX, and told her this is consumer fraud and a violation of the FTC and AZ State Consumer Protection laws for the cooling off period. XXXX XXXX, XXXX, said to call XXXX XXXX XXXX @ XXXX, left a message with the Supervisor, XXXX. Haven't heard back. I then went 0n XX/XX/2019, Chase Bank Branch in XXXX on XXXX to place a stop on my {$100.00} money order. XXXX banker told me he saw that the transaction for money order # XXXX on his computer and it was in process and he couldn't stop it. I said that means it hasn't been paid. He said right. I demanded Chase banker to stop the payment now!! On Chase money order that I paid {$5.00} for out of my checking account on XX/XX/2019I told him to place a stop now!! Get me the supervisor! Chase banker chose not to place a stop and indicated on the money order " terms and conditions '' that says '' Placing a Stop Payment on a Money Order-Sender, that is ME, can place a stop and have the item reissued back to me the sender.Chase went against my authorization ( robbing me ) to pay XXXX XXXX. Consumer fraud. On my money order, on memo, I wrote " DEPOSIT # XXXX towards move in rent '' I did not move in and called on the 3rd day-right of recession-FTC cooling off period. I want {$100.00} of my money back NOW from CHASE BANK! My money was to go for rent as stated on " memo '' Deposit {$500.00} towards move in rent. Chase needs to reverse {$100.00} and charge back XXXX XXXX dba XXXX XXXX back into my checking account. That is my money and CHASE BANK can do reversals. Consumer fraud by CHASE BANK AGAINST ME.I paid for something I didn't get by Chase Bank. Reverse the charge now. Consumer fraud by Chase Bank.
XXXX XXXX XXXX. the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.
I had a private student loan that was charged off around XXXX. The original owner of the loan was XXXX XXXX XXXX South Dakota, XXXX, and the loan was taken out in XXXX. Section M ( 8 ) of the loan documents state that the loan is not dischargeable in bankruptcy during the first 7 years of repayment. In XXXX I filed bankruptcy and this loan was listed as a debt. My bankruptcy was XXXX on XXXX/XXXX/XXXX. Soon after my discharge, Navient began to report this account as a charge off on my credit report. I sent a letter explaining that the debt was XXXX in bankruptcy. Navient responded that the debt is not dischargeable under bankruptcy, however, their letter referenced loan # XXXX which is a federal student loan account that I have with them. This private student loan is reporting as loan # XXXX. Navient has also changed the charge off date on the credit reports from XXXX XXXX to XXXX XXXX. I know that the debt was originally charged off around XXXX or perhaps earlier. I again wrote Navient, asking for proof that they own the debt as well as a complete payment/account history of the loan. To date, their only response has been a letter instructing me to call in. I have tried calling in to request these documents on several occasions to no avail. I am constantly put on hold and then no one returns to the phone. Based on a recent statement from Navient, they are now including the charged off amount in my current balance, bringing it to {$48.00}, XXXX, while still reporting the charged off debt with a balance of {$12000.00}, which is a violation of the Fair Credit Reporting Act.
I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion.
Hello. The problem I 'm experiencing is with Central Financial Control d.b.a. Syndicated Office Systems. I contacted C.F.C. and paid the debts that they showed ; however, XXXX is showing debts that S.O.S. has and they have not contacted me ; I 've called the phone number they have on available websites and they did not have those debts listed in their records for me to pay. I have no doubt that these are my debts, but I can not make a payment to/pay off a debt that I no one will give me any way to do so. I have noticed that there a quite a lot of people making complaints that they are having the same problem. I WANT to pay these debts! I want them removed from my credit report! But I can not do so if I have no way of contacting them. Thank you
This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. 
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.
I currently had my mortgage sold. I had no idea this was happening. I was never notified. Now they have paid out numerous insurance mishandled my money, lied, charged me late fees, increased my house payment and refuse to help me. I have had over XXXX mortgages and I have never had so many issues. Loan Care LLC is scamming and stealing. How can I fix these issues. They are stealing from me!!!
Received a call from XXXX XXXX ( XXXX ) at XXXX XX/XX/2018. She claimed to represent Portfolio Recovery. I get calls from these bottom feeders from time to time. I do not owe money to anyone, my credit score is over 800. I'm on the do not call list and she called me on my business phone. I don't have time for this nonsense, please make it stop.
I REQUESTED A PAYOFF FOR MY MOBILE HOME FROM DITECH MORTAGE WHEN LOOKING AT THE PAY OFF SUMMARY THERE WAS XXXX THAT THE MORTAGE COMPANY INCLUDED IN THE PAYOFF THAT COULD NOT BE ACCOUNTED FOR. WHEN ASKED THE REP COULD NOT TELL ME WHY. SOMETHING TO DO WITH THE INTEREST RATE. BUT AFTER EXPLAINING TO HER THAT WE A FIXED RATE SHE STILL COULD NOT EXPLAIN WHY
XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO   XXXX    XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I have been banking with Fifth Third Bank in XXXX Ohio, my branch was in XXXX, Ohio, near XXXX, Ohio. The bank was using unfair methods to tack on overdraft and additional overdraft charges of {$37.00} each. They were not taking credits and debits, online or in person at the bank, in the order in which they were presented. Many times I had online deposits coming in at XXXX or XXXX. of the banking day, but these deposits were counted last a the end of the day at XXXX. There would be debits taken out at XXXX that business day taken out before the deposits, it did n't matter what was pending or non-pending. A pending online deposit at XXXX was still posted after a pending debit from XXXX. Then at the end of each banking day, Fifth Third took out the debits first ... smallest to largest and then Fifth Third added the deposits last..smallest to largest. This would result in overdraft charges, sometimes multiple charges. I called the bank to explain to the manager and they always had an excuse and one time said I could come in and talk to them, but then the top XXXX managers were busy the next day. I felt like I was being ridiculed and often went to another branch on XXXX to avoid the XXXX branch. ***The problem was not that my funds were low, the Problem, as stated below this paragraph, was that Fifth Third Bank re-arranged their deposit and debit order to have more overdraft charges****
I have had this Medical Collection reporting to my Equifax credit report for some time now with no success getting it removed. I have made several attempts for validation of debt with no response. 

The balance {$670.00} Date opened : XX/XX/2016
There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.
This number is the original case number issued by CFPB. Equifax closed XXXX credit card account from XXXX as they should have. Now, it shows Open with XXXX balance which the balance would be correct due to the XXXX sent by XXXX. 
Another XXXX credit card was removed from the credit report. It has been put back on one week later. The balance of XXXX and the card being closed is correct. So, why is it back one week later. 
I 'm beginning to think the only way to correct this is through an attorney. I have all documents both mine and Experian 's. 
They also have incorrect information on my wife 's which mirrors mine. A complaint has been submitted on her behalf but no answer. CFPB 's XXXX re : XXXX XXXX XXXX. 
Again, it appears an attorney is going to be needed, which I am prepared to do. Experian has injured my credit score without any sent information and I am tired of them.
DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
I am attempting to request XXXX XXXX for the year XXXX and XXXX. Freedom Mortgage outsourced my loan, unbeknownst to me, and claims they do n't have access to my records. I have called their company multiple times on XXXX & XXXX only to get different answers from them each time I call. They have given me the number tot he company which they claim has my information, a company I never signed paperwork with, yet every time I call that company and enter my personal information I get transferred right back to Freedom Mortgage as they 're my mortgage company! I tried calling the other company without entering my information and I am unable to get through to a persona and at one point stayed on hold for over one hour ( I can provide phone records ). 

I spoke with an escalations person at Freedom, XXXX, and she told me Freedom can not get my XXXX XXXX for me that I have to deal with this outsourcer even though I never agreed to allow my account to be transferred. 

The only time Freedom wants to speak with me is when they 're trying to get me to refinance my house, so they only able to help with sales calls, not service calls. 

Additionally, in XXXX they failed to perform a mortgage/escrow analysis for over one year as a direct result of them oursourcing my account to a third party. They claim it was n't their fault because they were n't handling the loan, but I opened the loan with them! 

It appears Freedom opens accounts with customers then sends their business to subpar vendors and washes their hands of any responsibilities to their customers. Yet they will make frequent sales calls to you.
I have a student loan with XXXX XXXX XXXX XXXX for around 38,000. I  heard that Premier Student Loan Center could reduce my loan. I spoke with XXXX XXXX and she assured me she could reduce my payment to XXXX. I gave her all my information. Then I spoke the XXXX XXXX and they said this was a scam. I called XXXX back to cancel and have not heard from her. I have cancel my credit cards but I am worried that this Premier Student Loan Center company has my information. How do I proceed?
I went on Equifax Cybersecurity last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.
I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.